How evidence based decision making can help deliver infrastructure in the pub...OECD Governance
This presentation was made by Raffaele DELLA CROCHE, OECD Secretariat, at the 3rd OECD Forum on Governance of Infrastructure held in Paris on 26 March 2018
The Institute of Chartered Accountants of the Caribbean (ICAC) and IFAC held a joint workshop on June 21, 2017 in Guyana with representatives from 10 professional accountancy organizations in the region. Participants gathered together with the twin objectives of examining the role of the accountant in a changing world along with the trends (technological, economic, social, etc.) impacting the profession and tomorrow’s accountant as well as to discuss the challenging issues facing the accountancy profession and the future-readiness of today’s accountant and professional accountancy organizations.
International Accountancy Education Standards Board Member Dr. Sidharta Utama spoke during the Association of Chartered Certified Accountants (ACCA) Regional Education Conference in Singapore in September 2017 and discussed IAESB initiatives on developing professional accountants’ information and communications technology skills and competency.
How evidence based decision making can help deliver infrastructure in the pub...OECD Governance
This presentation was made by Raffaele DELLA CROCHE, OECD Secretariat, at the 3rd OECD Forum on Governance of Infrastructure held in Paris on 26 March 2018
The Institute of Chartered Accountants of the Caribbean (ICAC) and IFAC held a joint workshop on June 21, 2017 in Guyana with representatives from 10 professional accountancy organizations in the region. Participants gathered together with the twin objectives of examining the role of the accountant in a changing world along with the trends (technological, economic, social, etc.) impacting the profession and tomorrow’s accountant as well as to discuss the challenging issues facing the accountancy profession and the future-readiness of today’s accountant and professional accountancy organizations.
International Accountancy Education Standards Board Member Dr. Sidharta Utama spoke during the Association of Chartered Certified Accountants (ACCA) Regional Education Conference in Singapore in September 2017 and discussed IAESB initiatives on developing professional accountants’ information and communications technology skills and competency.
OECD Budgeting Outlook - Ronnie DOWNES, OECD SecretariatOECD Governance
This document summarizes the OECD's plans to publish a new flagship budgeting publication called the "Budgeting Outlook". The publication will integrate information from various OECD surveys on budgeting practices, including a new 2018 survey on capital budgeting and infrastructure governance. It will serve as an international reference on modern budgeting practices. The document outlines the topics that will be covered in the new publication, such as capital budgeting, public-private partnerships, and the governance of infrastructure projects. It provides timelines showing that a draft will be presented in June 2018 and the final publication will be released in October 2018.
The role of mobile technologies in promoting sustainable delivery of livestoc...ILRI
This document discusses how mobile technologies can help promote sustainable delivery of livestock insurance programs in East Africa. It summarizes that index-based livestock insurance (IBLI) was first piloted in 2010 to help pastoralists manage drought risk, but faced challenges of design, demand, delivery, and policy support. Mobile phones can help address some challenges by facilitating insurance sales and payments, providing training for agents, and crowdsourcing data on rangeland conditions and livestock markets to improve programs over time. The document provides examples of how IBLI has leveraged mobile technologies for training, sales transactions, and indemnity payments to enhance insurance delivery and impact for pastoralists in the drylands.
While proposing and implementing the budget are the legal duty of the executive, strengthening the involvement and participation of citizens and civil society can increase responsiveness, efficiency, impact and trust. Heightened citizen engagement also reduces opportunities for corruption and strengthens the culture of open democracy.
This session will use country examples to identify the opportunities for participative approaches across the budget cycle and highlight some of the key challenges and questions for debate.
Trade and regulation in services introduction w imagescsear
This document discusses trade and regulation of services in Africa. It notes that services are important for growth, employment, poverty reduction, and economic diversification through exports and foreign direct investment. However, African countries face barriers to accessing competitive services that limit their competitiveness. These include high costs for finance, transport, logistics, customs brokerage, distribution, and professional services due to issues like lack of access, transport cartels, and poor quality. The document discusses how opening services trade could help address these issues and support infrastructure investments, but that services trade remains a low priority in Africa. It outlines lessons that could be learned from successful services exporters and how to mainstream trade in services into development programs.
A solution for regions? Smart internationalisation | Ron BoschmaOECD CFE
Presentation by Ron BOSCHMA, Professor of Regional Economics, Utrecht University, the Netherlands at the 14th Spatial Productivity Lab meeting of the OECD Trento Centre in cooperation with Swedish Entrepreneurship Forum held in virtual format on 8 September 2021.
Blome - Translating supply chain finance into SME productivityOECD CFE
20-21 February 2018, Mexico City: Workshop on building business linkages that boost SME productivity. http://www.oecd.org/cfe/smes/workshop-on-building-business-linkages-that-boost-SME-productivity.htm
Budget transparency brings many benefits for citizens and for society, but putting it into practice can sometimes appear as a daunting task.
This session will highlight the Budget Transparency Toolkit - developed by the OECD with the participation of the Global Initiative for Fiscal Transparency (GIFT) Network - and the practical steps that it provides for supporting openness, integrity and accountability in public financial management. Furthermore, it will shine a spotlight on the specific role that parliaments have in ensuring budget transparency, highlighting emerging good practices. It will be followed by a discussion on measuring budget transparency in parliaments.
The document discusses lessons learned from the Agricultural Science and Technology Indicators (ASTI) initiative in communicating data on agricultural research and development. ASTI collects data on investments, capacity, and institutional developments in agricultural R&D from developing countries. It faces challenges in communicating this diverse data to various stakeholders. Key lessons are to work with national and regional partners, tailor communication to different audiences, and establish analytical capacity to address policy questions and support effective agricultural research systems.
SADC deals with trade in services through various protocols, including protocols on communication, transport, energy, education, tourism, finance and investment, and a draft protocol on the movement of persons. The Finance and Investment Protocol covers investment, taxation, exchange control policies, central bank cooperation, payment systems, banking regulation, development finance institutions, non-banking financial institutions, and stock exchanges. The SADC Services Protocol models the WTO GATS and includes six priority sectors for negotiations: communication, construction, energy, financial, tourism, and transport services. Negotiations are ongoing using a request-offer approach but there have only been a few offers so far.
This presentation provides an overview of SOURCE and its integration with countries. SOURCE is a digital platform managed by SIF that supports governments' infrastructure project preparation and development. The presentation discusses SOURCE's governance structure and growth since 2010. It also highlights case studies of SOURCE's integration and customization in countries like the Philippines, Indonesia, Peru, and Ukraine to meet their specific needs in areas like project management, information management, project assessment, and promotion/procurement. The presentation concludes with an overview of SOURCE's templates, approach to country integration, and measures taken for data security and sovereignty.
This presentation was made by Ronnie Downes, OECD, at the 12th Annual Meeting of OECD-Asian Senior Budget Officials held in Bangkok, Thailand, on 15-16 December 2016
Presentation by Srikanth Mangalam at the OECD Global Conference on Governance Innovation which took place in Paris on 13-14 January 2020. Further information is available at http://www.oecd.org/gov/regulatory-policy/oecd-global-conference-on-governance-innovation.htm.
The document discusses the benefits of an integrated approach for South African governmental departments to share pertinent datasets in dealing with long-term sustainable development issues. It proposes sharing resources and costs to eliminate duplication, increase impact by maximizing value from available resources. By linking data creators and users through GIS technology, it could address challenges in a multifaceted way by facilitating access to compatible spatial data to support effective planning and research.
1. An assessment was conducted of an agent banking solution deployed by Urwego Opportunity Bank in Rwanda.
2. The assessment examined key areas such as products, business case, agent network, marketing, risk mitigation, and technology.
3. Several recommendations were provided to improve the solution based on the assessment, such as offering liquidity management facilities to agents, strengthening fraud detection, and engaging in rebranding of strategic agent outlets.
Financial inclusion and women investment in low income countries.pptxDorcasPAGAL
Présentation d'un Projet pour appel à financement à une conférence internationale organisée par le Patnership for Economic Policy. Ce projet fait aujourd'hui l'objet d'unn travail d'article qui sera soumis dans une revue à Comité d'auteur
OECD Budgeting Outlook - Ronnie DOWNES, OECD SecretariatOECD Governance
This document summarizes the OECD's plans to publish a new flagship budgeting publication called the "Budgeting Outlook". The publication will integrate information from various OECD surveys on budgeting practices, including a new 2018 survey on capital budgeting and infrastructure governance. It will serve as an international reference on modern budgeting practices. The document outlines the topics that will be covered in the new publication, such as capital budgeting, public-private partnerships, and the governance of infrastructure projects. It provides timelines showing that a draft will be presented in June 2018 and the final publication will be released in October 2018.
The role of mobile technologies in promoting sustainable delivery of livestoc...ILRI
This document discusses how mobile technologies can help promote sustainable delivery of livestock insurance programs in East Africa. It summarizes that index-based livestock insurance (IBLI) was first piloted in 2010 to help pastoralists manage drought risk, but faced challenges of design, demand, delivery, and policy support. Mobile phones can help address some challenges by facilitating insurance sales and payments, providing training for agents, and crowdsourcing data on rangeland conditions and livestock markets to improve programs over time. The document provides examples of how IBLI has leveraged mobile technologies for training, sales transactions, and indemnity payments to enhance insurance delivery and impact for pastoralists in the drylands.
While proposing and implementing the budget are the legal duty of the executive, strengthening the involvement and participation of citizens and civil society can increase responsiveness, efficiency, impact and trust. Heightened citizen engagement also reduces opportunities for corruption and strengthens the culture of open democracy.
This session will use country examples to identify the opportunities for participative approaches across the budget cycle and highlight some of the key challenges and questions for debate.
Trade and regulation in services introduction w imagescsear
This document discusses trade and regulation of services in Africa. It notes that services are important for growth, employment, poverty reduction, and economic diversification through exports and foreign direct investment. However, African countries face barriers to accessing competitive services that limit their competitiveness. These include high costs for finance, transport, logistics, customs brokerage, distribution, and professional services due to issues like lack of access, transport cartels, and poor quality. The document discusses how opening services trade could help address these issues and support infrastructure investments, but that services trade remains a low priority in Africa. It outlines lessons that could be learned from successful services exporters and how to mainstream trade in services into development programs.
A solution for regions? Smart internationalisation | Ron BoschmaOECD CFE
Presentation by Ron BOSCHMA, Professor of Regional Economics, Utrecht University, the Netherlands at the 14th Spatial Productivity Lab meeting of the OECD Trento Centre in cooperation with Swedish Entrepreneurship Forum held in virtual format on 8 September 2021.
Blome - Translating supply chain finance into SME productivityOECD CFE
20-21 February 2018, Mexico City: Workshop on building business linkages that boost SME productivity. http://www.oecd.org/cfe/smes/workshop-on-building-business-linkages-that-boost-SME-productivity.htm
Budget transparency brings many benefits for citizens and for society, but putting it into practice can sometimes appear as a daunting task.
This session will highlight the Budget Transparency Toolkit - developed by the OECD with the participation of the Global Initiative for Fiscal Transparency (GIFT) Network - and the practical steps that it provides for supporting openness, integrity and accountability in public financial management. Furthermore, it will shine a spotlight on the specific role that parliaments have in ensuring budget transparency, highlighting emerging good practices. It will be followed by a discussion on measuring budget transparency in parliaments.
The document discusses lessons learned from the Agricultural Science and Technology Indicators (ASTI) initiative in communicating data on agricultural research and development. ASTI collects data on investments, capacity, and institutional developments in agricultural R&D from developing countries. It faces challenges in communicating this diverse data to various stakeholders. Key lessons are to work with national and regional partners, tailor communication to different audiences, and establish analytical capacity to address policy questions and support effective agricultural research systems.
SADC deals with trade in services through various protocols, including protocols on communication, transport, energy, education, tourism, finance and investment, and a draft protocol on the movement of persons. The Finance and Investment Protocol covers investment, taxation, exchange control policies, central bank cooperation, payment systems, banking regulation, development finance institutions, non-banking financial institutions, and stock exchanges. The SADC Services Protocol models the WTO GATS and includes six priority sectors for negotiations: communication, construction, energy, financial, tourism, and transport services. Negotiations are ongoing using a request-offer approach but there have only been a few offers so far.
This presentation provides an overview of SOURCE and its integration with countries. SOURCE is a digital platform managed by SIF that supports governments' infrastructure project preparation and development. The presentation discusses SOURCE's governance structure and growth since 2010. It also highlights case studies of SOURCE's integration and customization in countries like the Philippines, Indonesia, Peru, and Ukraine to meet their specific needs in areas like project management, information management, project assessment, and promotion/procurement. The presentation concludes with an overview of SOURCE's templates, approach to country integration, and measures taken for data security and sovereignty.
This presentation was made by Ronnie Downes, OECD, at the 12th Annual Meeting of OECD-Asian Senior Budget Officials held in Bangkok, Thailand, on 15-16 December 2016
Presentation by Srikanth Mangalam at the OECD Global Conference on Governance Innovation which took place in Paris on 13-14 January 2020. Further information is available at http://www.oecd.org/gov/regulatory-policy/oecd-global-conference-on-governance-innovation.htm.
The document discusses the benefits of an integrated approach for South African governmental departments to share pertinent datasets in dealing with long-term sustainable development issues. It proposes sharing resources and costs to eliminate duplication, increase impact by maximizing value from available resources. By linking data creators and users through GIS technology, it could address challenges in a multifaceted way by facilitating access to compatible spatial data to support effective planning and research.
1. An assessment was conducted of an agent banking solution deployed by Urwego Opportunity Bank in Rwanda.
2. The assessment examined key areas such as products, business case, agent network, marketing, risk mitigation, and technology.
3. Several recommendations were provided to improve the solution based on the assessment, such as offering liquidity management facilities to agents, strengthening fraud detection, and engaging in rebranding of strategic agent outlets.
Financial inclusion and women investment in low income countries.pptxDorcasPAGAL
Présentation d'un Projet pour appel à financement à une conférence internationale organisée par le Patnership for Economic Policy. Ce projet fait aujourd'hui l'objet d'unn travail d'article qui sera soumis dans une revue à Comité d'auteur
Outline: Tanzanian MFS Landscape: Current Status; Maximizing Opportunities in Tanzania; Mitigating Challenges and Risks in MFS in Tanzania; Pushing MFS to the next level in Tanzania; and Lesson for Africa: Key Take Homes.
The document summarizes challenges around access to financial services in the agricultural sector in Mozambique. It outlines the country's policy framework and goals to increase access, including doubling access to services by 2025. It analyzes trends that show bank account ownership increasing but remaining low, with most farmers relying on informal services. The main constraints to smallholder access are low income, lack of collateral, limited coverage of institutions, and high interest rates. Recommendations include promoting private sector participation, value chains, land collateral models, mobile accounts, and data collection on smallholder access.
The document summarizes challenges around access to financial services in the agricultural sector in Mozambique. It outlines the country's policy framework and targets to increase access, including doubling access to financial services by 2025 under the Malabo goals. The results section analyzes trends in bank accounts, electronic payments, and savings groups. Smallholder farmers have low access to formal financial services at 8%, relying more on informal options. Barriers to access include low incomes, lack of collateral, and distance from financial institutions. Recommendations include promoting private sector participation, value chains, land-based lending, mobile payments, and expanding rural agents.
The Democratic Republic of the Congo offers huge market potential for technology start-ups. The political environment supports entrepreneurship and digital services. The aim of the National Digital Plan is to drive market and improve infrastructure to surge opportunities for financial inclusion.
The document discusses customer segmentation analysis conducted in several countries as part of the Making Access Possible (MAP) program. Six common customer segments were identified: salaried workers, farmers, self-employed individuals, irregular earners, dependants, and migrants. Each segment has distinct demographic characteristics, income levels, occupations, and financial needs. Understanding these differences is important for developing targeted policies, products, and services to better promote financial inclusion among various groups. The segmentation approach provides insights to help tailor solutions to the unique needs and realities of each customer segment.
The document discusses the importance of financial inclusion and microfinance in Peru. It defines financial inclusion as access to a full range of quality financial services provided conveniently and affordably. In Peru, financial inclusion has expanded through increased use of banking agents and correspondent cashiers to reach more remote areas, though coverage remains fragmented. Microfinance institutions play a large role in serving the poorest regions. Opportunities for furthering inclusion include mobile banking, electronic money, improving financial education, and leveraging non-banking cashiers and agents to lower costs.
Microfinance and financial inclusion conference @ ucspLuis Garate
Peru constitutes a paradigm in microfinance at world level. The Peruvian experience is being replicated in several countries; this process constitutes a successful experience in the development area.
The objective of this presentation is convey the knowledge about the role of the microfinance and understand the progress and challenges that this sector is facing.
The presentation includes:
1. Importance
2. What Financial Inclusion means?
3. How is going on in Peru?
• Financial System
• Microfinance Institutions
4. What else to do?
5. Opportunities
6. Final notes: Thoughts
ACCELERATING FINANCIAL INCLUSION IN SOUTH-EAST ASIA WITH DIGITAL FINANCE by ADBHiếu T. D. Võ
This document discusses how digital finance can accelerate financial inclusion in Southeast Asia. It finds that digital solutions could address 40% of unmet demand for payments and 20% of unmet credit needs. Regulatory and policy actions are needed to enable digital finance by creating an open environment for new players, allowing testing of solutions, and establishing a unified vision for financial inclusion. Digital finance could boost GDP by 2-3% in Indonesia and the Philippines and 6% in Cambodia by increasing access to financial services for underserved populations.
ACCELERATING FINANCIAL INCLUSION IN SOUTH-EAST ASIA WITH DIGITAL FINANCE by ADBHiếu T. D. Võ
This document analyzes how digital finance can accelerate financial inclusion in Southeast Asia, focusing on Indonesia, the Philippines, Cambodia, and Myanmar. It finds that digital solutions could address 40% of unmet demand for payments and 20% of unmet credit needs. While digital finance alone cannot close all inclusion gaps, the analysis estimates it could boost GDP by 2-3% in Indonesia and the Philippines and 6% in Cambodia by increasing access to financial services. For success, regulatory support is needed to address supply-side barriers and encourage suitable digital product design and delivery models.
The document summarizes IFC's Access to Finance programs in Africa, which have three pillars: increasing access to financial services for individuals and small businesses, strengthening banks and financial institutions to serve SMEs and specific sectors, and strengthening financial systems through institutions, technologies, and standards. It provides details on IFC's focus on financial infrastructure like credit bureaus and collateral registries to address market failures in access to finance in Africa. The document outlines IFC's approach, including building stakeholder capacity, impact monitoring, and knowledge sharing. It highlights the positive impacts of IFC's financial infrastructure programs in countries/regions like West Africa, Ghana, Afghanistan, and others.
F4 dev. dev.fin impact project assignmentMatovu George
This document outlines a 5-year project in Uganda to promote financial inclusion through Savings and Credit Co-operatives (SACCOs) to support inclusive growth. The project aims to strengthen the capacity and operations of approximately 1,000 SACCOs. Currently, many SACCOs have limited institutional capacity and face obstacles like a lack of capital and skills that undermine their sustainability and impact. The project will provide training, technical assistance, and support to help SACCOs improve governance, develop new financial products and services, and become more sustainable and inclusive financial institutions over the long term. This could help more Ugandans access important financial services and support economic opportunities.
F4 dev. dev.fin impact project assignmentMatovu George
This document outlines a 5-year project in Uganda to promote financial inclusion through Savings and Credit Co-operatives (SACCOs) to support inclusive growth. The project aims to strengthen the capacity and operations of approximately 1,000 SACCOs. Currently, many SACCOs have limited institutional capacity and face obstacles like a lack of capital and skills that undermine their sustainability and impact. The project will provide training, technical assistance, and support to help SACCOs improve governance, develop new financial products and services, and become more sustainable and inclusive financial institutions over the long term. This could help more Ugandans access important financial services and support economic opportunities.
This document summarizes key insights from the MAP (Making Access Possible) program, which conducted financial inclusion diagnostics in six countries. Three main insights are discussed:
1) Financial inclusion initiatives have often not delivered significant value or impact on people's lives, with many bank accounts unused and cash remaining dominant. Traditional indicators focused too narrowly on access.
2) People continue choosing informal financial services not because of lack of access to formal options, but deliberately due to the local nature and better meeting of needs compared to formal services.
3) A paradigm shift is needed in how financial inclusion is conceptualized, away from a focus on providers and formality and toward understanding consumer behavior, needs, and value to unlock financial
This document summarizes a presentation on leveling the playing field for mobile money and digital payments in Tanzania. The presentation discusses the goal of financial inclusion, identifies barriers like costs and lack of consumer awareness, and recommends multi-stakeholder engagement and accelerating interoperability to increase inclusion. Currently, 14% of Tanzanians use formal bank products while 26% remain financially excluded, compared to other countries in the region. The presentation calls for public-private partnerships to remove barriers and harness technology to connect more people financially.
RBZ GOVERNORS SPEECH - 2016 - AGENT BANKING AND DIGITAL FINANCIAL SERVICESKingstone Pumula Kanyile
1) The document discusses agent banking and digital financial services in Zimbabwe, noting their potential to increase access to financial services.
2) It outlines Zimbabwe's National Financial Inclusion Strategy to increase access to affordable financial services to 90% of the population by 2020.
3) The Reserve Bank of Zimbabwe regulates digital financial services and agent banking, which have grown significantly in recent years and now include over 3,000 agent banking outlets and 39,000 mobile payment agents.
The summary provides an overview of the Mobile Money for the Unbanked (MMU) Working Group's goals, role, and progress in making mobile money services available to 20 million unbanked customers living on less than $2 per day by 2012. It outlines MMU's work in identifying mobile money deployments, conducting research to overcome challenges, developing case studies, and disseminating knowledge to increase industry success and learning. It also briefly summarizes industry progress in mobile money and next steps MMU is taking related to customer usage, bank partnerships, profitability, and technology solutions.
Rwanda has made impressive progress towards financial inclusion and moving to a cashless economy. 89% of adults are financially included, with most using formal non-bank services like mobile money. Mobile money usage and agents have grown exponentially, while bank account ownership and ATM transactions have stagnated. The government is implementing initiatives to achieve 90% financial inclusion by 2020, including expanding access points, promoting digital payments through RSwitch, and providing government services digitally via the Irembo platform. Interoperability across banks, mobile money operators, SACCOs and MFIs is key to building an inclusive cashless payment system as envisioned in the national payment strategy.
This document summarizes a meeting of the AFI Financial Inclusion Data working group in San Salvador in April 2016. It discusses measuring financial inclusion for development goals. Key points include:
- The group seeks to improve how financial inclusion data is used to design effective programs and policies through collaboration.
- They focus on measuring usage beyond just account ownership, and financial inclusion outcomes.
- A framework is presented that links the enabling environment and availability of financial services to ownership, usage, outcomes, and impact.
- Understanding what drives usage and outcomes, like increasing consumer value, is discussed.
- Next steps include surveying members' needs and selecting frameworks to measure priority areas to pilot with partners.
This document discusses key questions around mapping geospatial and financial services data to better understand how to serve the financial needs of the poor. It asks questions about where the poor live, where financial infrastructure is located relative to them, whether existing services meet their needs, and how to increase awareness and usage of these services among the poor. It also considers questions around sustainability, the roles of providers and other organizations, integrating additional data sources to create a richer experience, and seamlessly combining all available information.
Using survey data to predict poverty in relation to financial service access ...insight2impact i2i
This document summarizes methods for predicting and mapping poverty levels using a combination of survey data, geospatial data, and statistical modeling techniques. Household survey data that includes measures of poverty, such as an asset-based Poverty Probability Index (PPI), can be combined with high-resolution geospatial data layers and spatial statistical models to generate predictive maps of poverty levels at fine spatial resolutions, such as 1km pixels. These predicted poverty maps can then be used for targeting interventions, monitoring changes over time, and integrating with other datasets like locations of financial service providers or mobile money usage patterns. The document outlines an example application of these methods to map predicted PPI scores and financial inclusion metrics in Kenya, Uganda, Tanzania,
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Unlock Your Potential with NCVT MIS.pptxcosmo-soil
The NCVT MIS Certificate, issued by the National Council for Vocational Training (NCVT), is a crucial credential for skill development in India. Recognized nationwide, it verifies vocational training across diverse trades, enhancing employment prospects, standardizing training quality, and promoting self-employment. This certification is integral to India's growing labor force, fostering skill development and economic growth.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
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Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
2. Goal & Purpose
3
FSDT is a market facilitator: partners and collaborates with difference players in the
financial sector to expand the landscape of access to finance in Tanzania
Goal to achieve sustainable
improvements in the lives of poor people
through reduced vulnerability to shocks,
income generation and employment
creation.
What Is FSDT?
A registered Trust
Incorporated in 2004
Supported by six partners
Five funders
Purpose to achieve improved
capacity and sustainability of the financial
sector to meet the needs of MSMEs and
poor men and women and to contribute to
economic growth.
3. Agenda
www.fsdt.or.tz
1. Status and Progress made since 2009
2. Financial Access Maps-Origin and Rationale
3. Use Cases of FAPs
4. Challenges & lessons
5. Future sustainability
4. 4
Significant Growth: Non banking sector
13.0%
4.4%
49.0%
0.4%
6.3%
4.5%
1.1%
Insurance
MFI/SACCO member
Use mobile money
Mobile money insurance
% adults 2013 % adults 2009
6. Objectives : High Level
Map the financial sector supply infrastructure
Describe proximity of financial services
Establish proximity baseline and assess trends
Describe factors influencing distribution of financial
access points
Note: Tanzania was 1st country to conduct GIS Mapping
7. But WHY is Proximity important?
Is a critical pillar in achieving financial
inclusion goals-drive usage
www.fsdt.or.tz
8. 2. Usage
Necessary condition to achieve goals?
Ability to use
financial services;
minimal barriers to
opening an account/
membership
Physical
proximity
Affordability
Eligibility/ self
exclusion
1.
Access
3.
Quality
4.
Welfare
Financial
Inclusion
1
13. National Financial Inclusion Framework
Access/Proximity Target
25% of Tanzanians live within 5km of a financial
access point by 2016
Where are we now?
Is this realistic?
Need for new target & rationale
14. Proximity : Country
45% of Tanzanians live within 5km of a financial
access point
Complimented by FinScope 2013
New target set at 65% by 2016
Source of evidence: GIS 2016
15. Other use cases
FSDT
• Targeting the marginalized geographies
• Targeting the marginalized segments (e.g. farmers)
• Informing new delivery models and platforms (e.g. insurance,
Interoperability, linking informal groups with digital platforms)
• Influencing FSPs in thinking about recalibrating their distribution density
(e.g. location of new access points, deploying new products/solutions in
the market-IPOs on mobile, M-pawa, Timiza, levy collection, etc.)-
• Strategic input and KPIs for Equity Bank, CRDB Bank,
Government/BoT/MoF/MIT/MAFSC
• Influencing regulatory/policy changes (e.g. agency banking regulations,
payments and e-money regulations, requirements for bank branches, the
need for tiered KYC, etc.)
• Building the case for interoperability with BoT for Tanzania
16. Key challenges, lessons
• Cost-GIS mapping is costly in terms of
money and time
• Expertise: Requires expertise for analysis
and linking with other data sets/platforms
to make the data meaningful. Quality of
data is therefore paramount
• Driving usage: Initiatives to drive usage
consume time and money. Dissemination
strategy should be robust enough and
should be given high priority from onset
17. Sustainability
Should be thought through
• Creating demand to increase usage-training
people/developed manuals to guide basic analysis
• Make data easily accessible-in Websites and provide
support
• Regularize data collection-BoT agreed to include
mandatory submission of GIS coordinates of all the
agents
• Ensure the data base exists and analysis performed
adequately and in a timely manner