Met de verwachting dat de balansen van de Europese banken onder druk van de Bazel III regelgeving zullen krimpen, blijft de vrees voor een algehele kredietschaarste niet van de lucht. Recent VKW-onderzoek onderbouwt trouwens deze stelling.
Alternatieve Financiering, waarom en hoe - Presentatie congres Public Treasury 2014, Figi Zeist, donderdag 13 maart 2014.
Wanneer een Publieke onderneming besluit Alternatieve Financiering aan te boren, welke omgevingsfactoren zijn het meest relevant voor de alternatieve financier en welke niche markten kun je dan opzoeken, hoe. Zorg dat de potentiele geldgever en geldnemer elkaar goed begrijpen!
Hoe het gat tussen vraag en aanbod van financiering te overbruggen?
Nieuwe financiers en financieringsvormen in opkomst in plaats van en in aanvulling op bankkrediet: private debt.
Deze presentatie is gegeven door Barend Post van AKD tijdens het door ICC en AKD op 3 juni jl. georganiseerde seminar over dit onderwerp.
Accounts receivable manager interview questions and answersClarenceSeedorf99
The document contains 15 questions asked in an interview for an account management position. The questions cover topics such as the candidate's background and experience in account management, including any challenges they have faced and accomplishments achieved. They also ask about the candidate's work preferences and what makes a successful account manager.
Accounts payable manager interview questions and answersClarenceSeedorf99
The document contains 15 questions asked in an interview for an account management role. The questions cover topics such as the candidate's background and experience in account management, including any challenges they have faced and accomplishments achieved. They also ask about the candidate's work preferences and what makes a successful account manager.
Bank account manager interview questions and answersClarenceSeedorf99
The document contains 15 questions asked in an interview for an account management position. The questions cover topics such as the candidate's background and experience in account management, including any challenges or mistakes they have faced. They also ask about the candidate's work preferences, key accomplishments in sales, and style of salesmanship.
Met de verwachting dat de balansen van de Europese banken onder druk van de Bazel III regelgeving zullen krimpen, blijft de vrees voor een algehele kredietschaarste niet van de lucht. Recent VKW-onderzoek onderbouwt trouwens deze stelling.
Alternatieve Financiering, waarom en hoe - Presentatie congres Public Treasury 2014, Figi Zeist, donderdag 13 maart 2014.
Wanneer een Publieke onderneming besluit Alternatieve Financiering aan te boren, welke omgevingsfactoren zijn het meest relevant voor de alternatieve financier en welke niche markten kun je dan opzoeken, hoe. Zorg dat de potentiele geldgever en geldnemer elkaar goed begrijpen!
Hoe het gat tussen vraag en aanbod van financiering te overbruggen?
Nieuwe financiers en financieringsvormen in opkomst in plaats van en in aanvulling op bankkrediet: private debt.
Deze presentatie is gegeven door Barend Post van AKD tijdens het door ICC en AKD op 3 juni jl. georganiseerde seminar over dit onderwerp.
Accounts receivable manager interview questions and answersClarenceSeedorf99
The document contains 15 questions asked in an interview for an account management position. The questions cover topics such as the candidate's background and experience in account management, including any challenges they have faced and accomplishments achieved. They also ask about the candidate's work preferences and what makes a successful account manager.
Accounts payable manager interview questions and answersClarenceSeedorf99
The document contains 15 questions asked in an interview for an account management role. The questions cover topics such as the candidate's background and experience in account management, including any challenges they have faced and accomplishments achieved. They also ask about the candidate's work preferences and what makes a successful account manager.
Bank account manager interview questions and answersClarenceSeedorf99
The document contains 15 questions asked in an interview for an account management position. The questions cover topics such as the candidate's background and experience in account management, including any challenges or mistakes they have faced. They also ask about the candidate's work preferences, key accomplishments in sales, and style of salesmanship.
Account manager job interview questions and answersClarenceSeedorf99
The document contains 15 questions asked in an interview for an account management position. The questions cover topics such as the candidate's background and experience in account management, including any challenges or mistakes they have faced. They also ask about the candidate's work preferences, key accomplishments in sales, and style of salesmanship.
Technical account manager interview questions and answersClarenceSeedorf99
The document contains 15 questions asked in an interview for an account management position. The questions cover topics such as the candidate's background and experience in account management, including any challenges or mistakes they have faced. They also ask about the candidate's work preferences, key accomplishments in sales, and style of salesmanship.
The document discusses project planning as a career path. It outlines the need for competent project planners given that most projects fail without proper planning. It describes the project environment, qualifications, and roles of project planners. Project planners are responsible for establishing schedules, managing risk, communication, and ensuring projects are delivered on time. The document also discusses training, competence assessments, and career prospects for project planners, such as advancing from scheduler to planning manager or specialist roles.
Sales account manager interview questions and answersClarenceSeedorf99
The document contains 15 questions asked in an interview for an account management position. The questions cover topics such as the candidate's background and experience in account management, including any challenges or mistakes they have faced. They also ask about the candidate's work preferences, key accomplishments in sales, and style of salesmanship.
National account manager interview questions and answersClarenceSeedorf99
The document contains 15 questions asked in an interview for an account management position. The questions cover topics such as the candidate's background and experience in account management, including any challenges or mistakes they have faced. They also ask about the candidate's work preferences, key accomplishments in sales, and style of salesmanship.
Op 20 juni 2011 organiseerde Socius de studiedag 'Organisatorische uitdagingen voor sociaal-culturele organisaties'. Dit is de presentatie van Wim Van Opstal van Sociale School Heverlee.
Op 20 juni 2011 organiseerde Socius de studiedag 'Organisatorische uitdagingen voor sociaal-culturele organisaties'. Dit zijn de handouts van gesprekstafel 'Fondsenwerving' van Ilja De Coster van Ethicom.
Drie leden van het Dutch Economic Forum
- Peter van Solinge, Sybrand Nauta en
Falco Valkenburg – gaven op 24 mei een
presentatie over wat de veranderingen
in de Nederlandse pensioensector
betekenen voor KAS BANK als bewaarder.
DE KANSEN EN RISICO’S VAN GESTRUCTUREERDE PRODUCTEN VOOR PRIVÉBELEGGERS, INSTITUTIONELE BELEGGERS EN DE FINANCIËLE WERELD
Referaat Postacademische opleiding Master of Financial Planning
Erasmus Universiteit Rotterdam
Luciano Durán Morales
Begeleiding: Drs. J.E. van den Berg
September 2007
DE KANSEN EN RISICO’S VAN GESTRUCTUREERDE PRODUCTEN VOOR PRIVÉBELEGGERS,
INSTITUTIONELE BELEGGERS EN DE FINANCIËLE WERELD
Referaat Postacademische opleiding Master of Financial Planning
Erasmus Universiteit Rotterdam
Luciano Durán Morales
Begeleiding: Drs. J.E. van den Berg
September 2007
DE KANSEN EN RISICO’S VAN GESTRUCTUREERDE PRODUCTEN VOOR PRIVÉBELEGGERS,
INSTITUTIONELE BELEGGERS EN DE FINANCIËLE WERELD
Referaat Postacademische opleiding Master of Financial Planning
Erasmus Universiteit Rotterdam
Luciano Durán Morales
Begeleiding: Drs. J.E. van den Berg
September 2007
DE KANSEN EN RISICO’S VAN GESTRUCTUREERDE PRODUCTEN VOOR PRIVÉBELEGGERS,
INSTITUTIONELE BELEGGERS EN DE FINANCIËLE WERELD
Referaat Postacademische opleiding Master of Financial Planning
Erasmus Universiteit Rotterdam
Luciano Durán Morales
Begeleiding: Drs. J.E. van den Berg
September 2007
Een onmisbare schakel in het businessplan van elke zorg start-up! Een presentatie van Pieter Van Herck, senior adviseur welzijn- en gezondheidsbeleid bij Voka.
Account manager job interview questions and answersClarenceSeedorf99
The document contains 15 questions asked in an interview for an account management position. The questions cover topics such as the candidate's background and experience in account management, including any challenges or mistakes they have faced. They also ask about the candidate's work preferences, key accomplishments in sales, and style of salesmanship.
Technical account manager interview questions and answersClarenceSeedorf99
The document contains 15 questions asked in an interview for an account management position. The questions cover topics such as the candidate's background and experience in account management, including any challenges or mistakes they have faced. They also ask about the candidate's work preferences, key accomplishments in sales, and style of salesmanship.
The document discusses project planning as a career path. It outlines the need for competent project planners given that most projects fail without proper planning. It describes the project environment, qualifications, and roles of project planners. Project planners are responsible for establishing schedules, managing risk, communication, and ensuring projects are delivered on time. The document also discusses training, competence assessments, and career prospects for project planners, such as advancing from scheduler to planning manager or specialist roles.
Sales account manager interview questions and answersClarenceSeedorf99
The document contains 15 questions asked in an interview for an account management position. The questions cover topics such as the candidate's background and experience in account management, including any challenges or mistakes they have faced. They also ask about the candidate's work preferences, key accomplishments in sales, and style of salesmanship.
National account manager interview questions and answersClarenceSeedorf99
The document contains 15 questions asked in an interview for an account management position. The questions cover topics such as the candidate's background and experience in account management, including any challenges or mistakes they have faced. They also ask about the candidate's work preferences, key accomplishments in sales, and style of salesmanship.
Op 20 juni 2011 organiseerde Socius de studiedag 'Organisatorische uitdagingen voor sociaal-culturele organisaties'. Dit is de presentatie van Wim Van Opstal van Sociale School Heverlee.
Op 20 juni 2011 organiseerde Socius de studiedag 'Organisatorische uitdagingen voor sociaal-culturele organisaties'. Dit zijn de handouts van gesprekstafel 'Fondsenwerving' van Ilja De Coster van Ethicom.
Drie leden van het Dutch Economic Forum
- Peter van Solinge, Sybrand Nauta en
Falco Valkenburg – gaven op 24 mei een
presentatie over wat de veranderingen
in de Nederlandse pensioensector
betekenen voor KAS BANK als bewaarder.
DE KANSEN EN RISICO’S VAN GESTRUCTUREERDE PRODUCTEN VOOR PRIVÉBELEGGERS, INSTITUTIONELE BELEGGERS EN DE FINANCIËLE WERELD
Referaat Postacademische opleiding Master of Financial Planning
Erasmus Universiteit Rotterdam
Luciano Durán Morales
Begeleiding: Drs. J.E. van den Berg
September 2007
DE KANSEN EN RISICO’S VAN GESTRUCTUREERDE PRODUCTEN VOOR PRIVÉBELEGGERS,
INSTITUTIONELE BELEGGERS EN DE FINANCIËLE WERELD
Referaat Postacademische opleiding Master of Financial Planning
Erasmus Universiteit Rotterdam
Luciano Durán Morales
Begeleiding: Drs. J.E. van den Berg
September 2007
DE KANSEN EN RISICO’S VAN GESTRUCTUREERDE PRODUCTEN VOOR PRIVÉBELEGGERS,
INSTITUTIONELE BELEGGERS EN DE FINANCIËLE WERELD
Referaat Postacademische opleiding Master of Financial Planning
Erasmus Universiteit Rotterdam
Luciano Durán Morales
Begeleiding: Drs. J.E. van den Berg
September 2007
DE KANSEN EN RISICO’S VAN GESTRUCTUREERDE PRODUCTEN VOOR PRIVÉBELEGGERS,
INSTITUTIONELE BELEGGERS EN DE FINANCIËLE WERELD
Referaat Postacademische opleiding Master of Financial Planning
Erasmus Universiteit Rotterdam
Luciano Durán Morales
Begeleiding: Drs. J.E. van den Berg
September 2007
Een onmisbare schakel in het businessplan van elke zorg start-up! Een presentatie van Pieter Van Herck, senior adviseur welzijn- en gezondheidsbeleid bij Voka.
This document discusses creative urban renewal and the transition to a knowledge society. It notes trends like aging populations, urbanization, and the growth of small businesses. It presents different models of creative enterprises, from individual designers to partnerships. The document then outlines the methodology for creative zone innovators, which involves rethinking approaches, identifying core values, and specifying indicators. Examples of abandoned industrial areas being revitalized through creative means are provided. The importance of communication, alliances, and learning over time for building a creative economy are emphasized.
This document discusses the UNCTAD Creative Economy Reports and their role in shaping a new sustainable development paradigm. It summarizes the achievements of the reports in highlighting creativity, knowledge, and access to information as drivers of economic growth. The document then outlines some of the challenges and opportunities posed by trends like sustainability, digitization, urbanization, and changing labor markets for the creative economy. It presents the 17 UN Sustainable Development Goals and explores how the expert forum will rank and select goals to analyze the consequences for the creative economy and ways it can contribute to achieving the goals.
The document discusses several topics related to the cultural and creative industries (CCIs). It notes that CCIs demonstrated resilience during the economic crisis by continuing to create jobs while employment fell in other sectors. The EU goals for cultural policy are outlined, including promoting cultural diversity, culture as a catalyst for creativity, and culture in international relations. The dimensions of national values according to Geert Hofstede are also presented, comparing scores for Great Britain and the Netherlands on indices like power distance, individualism, and uncertainty avoidance.
Rk Duluth Conference: Teaching Cultural AntsRene KOOYMAN
This document summarizes a presentation on teaching cultural entrepreneurship. It discusses the cultural and creative industries, which include goods and services that embody cultural expressions. It notes that these industries are dynamic and fast-growing, even during economic downtimes. They tend to have many small and medium-sized enterprises. The presentation addresses how to educate students for entrepreneurship in this environment, which values social capital, economic capital, and cultural capital. It notes key dilemmas in teaching students to work collaboratively, promote sustainability, take risks, develop intuition, and prepare for uncertainty. The goal is to educate the "entrepreneurial ant" for the changing landscape of cultural work.
Tlcue duluth june 2015 Guillermo Olivarez ChiliRene KOOYMAN
The Innovuss Program provided short-term professional training for cultural entrepreneurs in Valdivia, Chile. Over the course of 6 weeks, the program worked with 75 multidisciplinary entrepreneurs, providing workshops on design thinking, business models, marketing, pitching, and counseling. It also facilitated collaborative work between participants. The results included entrepreneurs improving their businesses by considering new factors, developing positive attitudes towards sharing experiences, and achieving a 75% success rate in obtaining public funding for cultural projects.
The document discusses the creative economy and cultural and creative industries. It notes that cultural and creative industries were resilient during the economic crisis by continuing to create jobs while other sectors lost them. It describes characteristics of creative products, including their cultural uniqueness and uncertain success. The document also provides examples of how abandoned areas have been revitalized by creative industries, including case studies of specific projects in Dublin, Germany, and Belgium. Finally, it outlines UNITAR's Creative Economy Initiative and its goals of facilitating dialogue, developing strategies, and providing training and resources to support creative entrepreneurship.
The Cultural Entrepreneuriel Characteristics: approaching the Middel EastRene KOOYMAN
The document discusses the entrepreneurial dimension of cultural and creative industries. It defines cultural and creative industries and notes that they are typically small businesses, with most having fewer than 10 employees. The industries contribute significantly to economies through jobs, revenue, and innovation. However, work in these fields is often uncertain, with many self-employed or freelance workers. The document also examines business models, labor characteristics, and products within cultural and creative industries. It notes the importance of government support and diverse funding sources for small businesses in these entrepreneurial fields.
This document discusses the intersection of art, economics, and cultural policy. It covers several key topics:
1. It defines cultural economics as the application of economic analysis to creative and performing arts, both public and private.
2. It explains different views of capitalism and how economies have evolved from an industrial focus to a knowledge and innovation focus.
3. It outlines Pierre Bourdieu's theory of cultural capital and how social class is stratified based on economic and cultural resources.
4. It discusses different economic philosophies like liberalism, social liberalism, and monetarism and their approaches to the role of markets, the state, and cultural policy.
The document discusses creative urban renewal projects in several medium-sized cities in Northwestern Europe. It aims to facilitate growth of the creative economy in former industrial and decayed urban areas. The projects bring together partners from Germany, Belgium, France, the Netherlands, and the UK to develop and test an innovative model called the Creative Zone Innovator to plan and develop creative zones. Examples of redevelopment projects transforming abandoned industrial sites into areas for creative industries are provided from cities like Essen, Dinslaken, Hagen, and Lille.
This document discusses strategies for urban renewal and area development using creative industries in times of economic crisis. It outlines how creative and cultural industries can drive economic growth and innovation. Small creative businesses and entrepreneurs are important for cultural networks and branding. Case studies show how cities are establishing creative zones to catalyze urban renewal by integrating cultural, social, economic and entrepreneurial development. These zones provide learning environments and cultural business models to stimulate continuous new ideas and alliances through convergence of art, technology and science.
This document discusses strategies for developing creative zones and industries in times of economic crisis. It argues that cultural and creative industries are key drivers of economic growth and innovation. It presents different models of entrepreneurship in the creative industries. The document also examines the urban dimension, noting how creative zones can integrate physical, social, infrastructure and conceptual development. Case studies are provided of creative zone projects in cities like Brugge, Colchester, Kettwig, and Lille that aim to spur economic and cultural value through networking alliances within a learning environment. The conclusion emphasizes the need to build trust through communication, support networks, and focusing on small initiatives over quick cash solutions to support sustainable urban renewal.
1. Introduction Economy 5
Banks are in the business for money
Rene Kooyman
Verhouding arbeid / kapitaal
• Anarcho-syndicalisme: decentrale structuur
• Gecentraliseerde vakbeweging
• Harmonisatiemodel (1940 – 1965):
a. Overheersende rol overheid bij
arbeidsvoorwaarden
b. Besluitvorming door georganiseerd overleg (=
collectief onderhandelen)
c. Centralisatie besluitvorming
• Coalitiemodel (1965 – 2010):
samenwerking op deelgebieden, sectoren
decentralisatie; schaalvergroting
2. Discussies: Scenario’s
• Koppeling sociale uitkering en lonen
• Sociale verzekering betaald door premie-
inkomsten werkgevers/ werknemers
• Discussies:
– Bezuinigingen:
• Volumebeleid (aantal uitkeringsgerechtigden)
• Prijsbeleid (hoogte van de uitkering)
– Gelijke behandeling: gezin -> individu
– Privatisering en marktwerking
Pensioenstelsel
• Pensioen drie pijlers:
• AOW: sociale premies;
omslagstelsel
• Collectief: bedrijfstakgewijs;
kapitaaldekking,
pensioenfondsen = toezicht DNB
(dekkingsgraad)
• Individueel: persoonlijke
pensioenverzekering; nu
aftrekbaar, later belast
(verschuiving belastingdruk)
4. Premier en fractievoorzitters ook
aan tafel - 'overleg opgeschaald'
"Dat Rutte nu ook aanschuift is een teken dat de onderhandelingen worden opgeschaald.
Er zijn eigenlijk twee mogelijkheden waarover een knoop zal moeten worden doorgehakt.
Of het sociaal akkoord wordt opengebroken, anders zal D66 niet akkoord gaan. Of
bezuinigingspakket van 6 miljard voor 2014 moet voor een deel van tafel, zoals GroenLinks,
ChristenUnie en SGP willen."
Geld: the color of money
Twee soorten:
• Chartaal: tastbaar, biljetten en munten
• Giraal geld: betaalrekeningen, virtueel
• Besparingen / kredieten: rente
• Wisselkoersen: goud losgelaten
• Internet: virtueel geld, tax havens, OECD
5. Belastingparadijzen
Banken NL
• Concentratie: concentratiegraad hoog: grote vier
(RABO, ING, ABN Amro, Fortis) = 77% markt
• Geringe concurrentie; hoge tarieven hypotheken
• Internationalisatie
• Overheidsingrijpen bij ‘systeembanken’
• Nationalisatie: banken
blijven marktgericht
werken, streven naar
winst (Fortis, ABN
AMRO, SNS)
6. Effectenbeurs
• Aandeel = deelnamebewijs
• Dividend: winstuitkering
• Koersresultaat: verschil aan/verkoop
• Obligatie: geldlening
– Vaste rente (couponrente)
– Vaste looptijd
– Vaak vast bedrag = nominale waarde
• Grote zekerheid: institutionele
beleggers (pensioenfondsen)
Internationalisering
a. Streven naar deregulering
b. Liberalisatie
c. Technologie = internet, transparantie
d. Internationale vervlechting =
internationaal risico
e. ‘Bad banks’: securitisatie; slechte
portefeuilles omzetten in
(verhandelbare) effecten
7. Hoe kom ik aan geld?
• Persoonlijk kwaliteiten en netwerken
• Vreemd vermogen:
– Banken, fondsen (2013: 284 Fondsen)
– Eigen vermogen (op aandelen), vrienden en familie
– Financiers (zekerheden) / Investeerders (aandelen)
– Subsidies: MKB ondersteuning, Topsectorenbeleid
• Omloopsnelheid: gat inzet / omzet
• Risicofactor: start-up / gevestigd
• Tips: eigen inbreng, beperk
uitgaven, subsidies, sociale
diensten, banken, incubators,
leasing, leverancierskredieten, enz.
Culturele Industrie: wat moet ik verdienen?
a. Inkomen:
a. Minimum loon 18.000 euris
b. Modaal 33.000 euris
b. Overhead: sociale zekerheid;
ziektekosten, verzekeringen, AOW
c. Bedrijfskosten: onkosten (inkoop,
kantoor, apperatuur)
d. Financiering: korte/lange termijn
8. Ondernemingsplan
• Ondernemer:
– Onderneming: missie
– Ondernemer: kwaliteiten
• Marketingplan:
– Dienst / product
– Doelgroep en markt
• Financieringsplan:
– Inkomen / omzet
– Investeringen; startkapitaal, leningen,
investeerders, geefgeld?
Who are you ?
9. What’s next ??
Volgende week:
The Urbanites: Art and the City
• Lit: Buunk H 4.1 4.2 4.3 4.4
• Lit: Reader pag. 96 - 109: Marcel Vader: Nerd of
Yup?
Rapping it up: tentamen training
http://www.economielokaal.nl/index.php/begrippenn
http://nl.wikipedia.org/wiki/Economie
http://www.ondernemingsplan-maken.nl/
10. That’s
how
money is
made !
Rene Kooyman September 2013
http://cci.hku.nl/ http://cure-web.eu
rene.kooyman@ke.hku.nl
Introduction
Art and Economics