Hussein Samatar will present on the African Development Center's (ADC) model for economically empowering African immigrants and refugees in Minnesota. The ADC was founded in 2003 to provide culturally sensitive services like business planning workshops, homeownership training, and microloans. It has helped over 500 families become homeowners, trained hundreds of entrepreneurs, and grown its loan portfolio to $2.3 million benefiting 110 clients. The ADC aims to address challenges faced by African immigrants through community development programs.
Responsible Local Travel in the USA: Eat local stay local buy localDeborah McLaren
Join the Responsible, Local Travel in the USA discussions (Fridays) to learn why supporting local communities and businesses can have a powerful impact when we work together. Break the chains! Go Local!
Check the planeta.wikispaces.com/localtravelusa for upcoming dates and featured guests.
This document discusses the rise of local currencies as an alternative to national currencies. It notes that historically, most trade was conducted using local currencies until the 20th century when larger national currencies became dominant. However, over 2,000 local currencies have recently been launched by communities around the world. Local currencies aim to promote local economic development by encouraging spending within the community. They have had mixed success, though the Berkshire currency in Massachusetts is held up as a notable example. Local currencies could potentially serve as a tool for local microeconomic management and crowd-funded lending to small local businesses neglected by large banks. They may help challenge the dominance and centralized power of national banking systems.
A2 CAMBRIDGE GEOGRAPHY: GLOBAL INTERDEPENDENCE - THE DEVELOPMENT OF INTERNATI...George Dumitrache
This document discusses international tourism and its growth and impact. It provides definitions of key tourism terms and describes some of the economic, social, political, and environmental factors that have contributed to the rapid expansion of global tourism over recent decades. While tourism has benefited many countries and communities, the document also examines some of the negative cultural, economic, and environmental consequences that have occurred in some destinations as a result of mass tourism development.
African diaspora marketplace II press release athomasmoore
The Western Union Company and the United States Agency for International Development (USAID) launched the second phase of the African Diaspora Marketplace (ADM II) to support African diaspora entrepreneurs in the United States with business ideas for Sub-Saharan Africa. ADM II will provide matching grants up to $50,000 and additional technical assistance to approximately 15-30 businesses focused on priority sectors like agribusiness, renewable energy, and information and communication technology. The Tony Elumelu Foundation also joined the partnership to help ADM II grantees pitch to impact investors in Nigeria for additional funding. The goal of ADM II is to promote sustainable economic growth in Africa by leveraging the skills and resources of the
The World Bank originated at the 1944 Bretton Woods Conference where the IMF and World Bank were created. The World Bank aims to reduce poverty and enhance prosperity. It is headquartered in Washington D.C. and has over 100 offices worldwide with 185 member countries. The World Bank provides loans, policy advice, technical assistance and knowledge sharing to developing countries. It focuses on five pillars: integrating countries into the global economy, reducing poverty, sustainable resource management, developing financial markets and improving institutions.
8 Africa and the global economy Strategies for Development Ngos[1]tacit dynamite
The document discusses Africa's role in the global economy and strategies for development on the continent. It covers topics like trade in extraction industries with former colonizers, the impact of structural adjustment programs, different development ideologies in the post-colonial period, and the current and historical roles of foreign powers and multinational corporations in Africa's economy and development. It also examines grassroots development approaches and the roles of various non-governmental organizations.
Responsible Local Travel in the USA: Eat local stay local buy localDeborah McLaren
Join the Responsible, Local Travel in the USA discussions (Fridays) to learn why supporting local communities and businesses can have a powerful impact when we work together. Break the chains! Go Local!
Check the planeta.wikispaces.com/localtravelusa for upcoming dates and featured guests.
This document discusses the rise of local currencies as an alternative to national currencies. It notes that historically, most trade was conducted using local currencies until the 20th century when larger national currencies became dominant. However, over 2,000 local currencies have recently been launched by communities around the world. Local currencies aim to promote local economic development by encouraging spending within the community. They have had mixed success, though the Berkshire currency in Massachusetts is held up as a notable example. Local currencies could potentially serve as a tool for local microeconomic management and crowd-funded lending to small local businesses neglected by large banks. They may help challenge the dominance and centralized power of national banking systems.
A2 CAMBRIDGE GEOGRAPHY: GLOBAL INTERDEPENDENCE - THE DEVELOPMENT OF INTERNATI...George Dumitrache
This document discusses international tourism and its growth and impact. It provides definitions of key tourism terms and describes some of the economic, social, political, and environmental factors that have contributed to the rapid expansion of global tourism over recent decades. While tourism has benefited many countries and communities, the document also examines some of the negative cultural, economic, and environmental consequences that have occurred in some destinations as a result of mass tourism development.
African diaspora marketplace II press release athomasmoore
The Western Union Company and the United States Agency for International Development (USAID) launched the second phase of the African Diaspora Marketplace (ADM II) to support African diaspora entrepreneurs in the United States with business ideas for Sub-Saharan Africa. ADM II will provide matching grants up to $50,000 and additional technical assistance to approximately 15-30 businesses focused on priority sectors like agribusiness, renewable energy, and information and communication technology. The Tony Elumelu Foundation also joined the partnership to help ADM II grantees pitch to impact investors in Nigeria for additional funding. The goal of ADM II is to promote sustainable economic growth in Africa by leveraging the skills and resources of the
The World Bank originated at the 1944 Bretton Woods Conference where the IMF and World Bank were created. The World Bank aims to reduce poverty and enhance prosperity. It is headquartered in Washington D.C. and has over 100 offices worldwide with 185 member countries. The World Bank provides loans, policy advice, technical assistance and knowledge sharing to developing countries. It focuses on five pillars: integrating countries into the global economy, reducing poverty, sustainable resource management, developing financial markets and improving institutions.
8 Africa and the global economy Strategies for Development Ngos[1]tacit dynamite
The document discusses Africa's role in the global economy and strategies for development on the continent. It covers topics like trade in extraction industries with former colonizers, the impact of structural adjustment programs, different development ideologies in the post-colonial period, and the current and historical roles of foreign powers and multinational corporations in Africa's economy and development. It also examines grassroots development approaches and the roles of various non-governmental organizations.
The World Bank is an internationally supported bank that provides financial and technical assistance to developing countries for programs to reduce poverty such as infrastructure projects. It has over 185 member countries and 10,000 staff worldwide. The World Bank generates funds through loans and grants to help developing countries build infrastructure, strengthen financial systems, and reduce poverty.
This document summarizes Africa's annual financial losses to the rest of the world compared to financial inflows. Key points:
- Africa loses $192 billion annually through outflows like multinational company profits ($46.3B), debt payments ($21B), and tax avoidance ($35.3B).
- Financial inflows to Africa total $134 billion, resulting in a net annual loss of $58 billion for the continent.
- The amounts lost far exceed international aid received, which is less than $30 billion per year. For every $100 in aid, $640 is lost through outflows.
- Continued losses at this rate will drain $580 billion from Africa in the next decade alone
A2 CAMBRIDGE GEOGRAPHY: GLOBAL INTERDEPENDENCE - DEBT AND AID AND THEIR MANAG...George Dumitrache
The document discusses various issues relating to debt and international aid for developing countries. It explains that many poor countries face large debt burdens that consume a significant portion of their export earnings. While debt relief programs have helped reduce this burden to some extent, critics argue that more should be done. The document also discusses different types of international aid and debates around its effectiveness and potential drawbacks, such as creating dependency.
Canada's largest trading partners are the United States, China, Mexico, Japan, and the United Kingdom. The US accounts for 81% of Canada's exports and 56% of its imports. Several international organizations work to promote free trade, including the World Trade Organization, NAFTA, and the proposed FTAA. Fair trade aims to ensure producers in developing countries receive fair wages and work in safe conditions.
Evolving Financial Systems to Reach the SDGsSDGsPlus
The document discusses evolving financial systems to support achieving the Sustainable Development Goals. It notes that annual investments of hundreds of billions will be needed across sectors like power, transport, and telecom. It reviews lessons from implementing the Millennium Development Goals and outlines the holistic nature of the 17 Sustainable Development Goals. The World Bank aims to play a key role by focusing on human capital, sustainable and inclusive growth, and resilience. Alternative sources of financing like Islamic finance and social impact investing will be important alongside public funds like IDA. Mobilizing private capital through de-risking and public-private partnerships will also be essential to meeting the investment needs.
Justin Trudeau's brother Alexandre has close ties to Iran and has produced propaganda documentaries for them. Several members of Trudeau's cabinet have also met with Iranian officials, concerning Israel and Saudi Arabia given Iran's nuclear ambitions and role in conflicts like Syria and Yemen. The ties between Trudeau's team and Iran have raised questions about Canada's approach towards the Middle Eastern geopolitical situation.
How Opportunity Zone Funds Drive Our Nation ForwardCBIZ, Inc.
In this guest article appearing in our June 2020 CRE newsletter, the CEO of Caliber talks about the renewed interest in an important economic development tool – Opportunity Zone Funds – and the rare opportunity for disparate parties to move forward in a way that is both productive at the local community level and therapeutic for our Nation.
This document provides information about the Ministry of Interior Affairs and National Security and the Mairie de Yopougon in Cote d'Ivoire. It details the contact information and mission of the Mairie de Yopougon, which serves over 1.5 million people in Yopougon. The document also summarizes demographic and economic data about Cote d'Ivoire, highlighting challenges such as poverty, illiteracy, and lack of infrastructure. It outlines the current programs and projects of the Mairie de Yopougon to address issues like urban poverty alleviation, health, education, and disaster management.
13.2 Global Interdependence: Debt and aid and their managementGeorge Dumitrache
External debt is money owed by a country or its citizens to foreign lenders. A country's debt service ratio measures how much of its export earnings must go toward debt payments. Debt relief involves cancelling debts to allow poorer countries to use funds for social programs. International aid aims to improve recipient countries' economies and living standards through money, goods, and support. Effectiveness of aid has increasingly focused on sustainable, community-led approaches like those of NGOs and microcredit organizations.
Great places ferryville presentation 6 28-10lauraebrown
The document discusses strategies for tourism development in rural communities like Ferryville. It outlines five strategies: 1) creating a tourism development plan, 2) partnering with other communities and organizations, 3) improving first impressions through beautification and hospitality training, 4) celebrating local history and culture, and 5) creating activities for visitors. It also summarizes the results of a secret shopper visit between Ferryville and Alma, identifying opportunities and challenges for Ferryville tourism.
Great places ferryville presentation 6 28-10lauraebrown
The document discusses strategies for tourism development in rural communities like Ferryville. It recommends that communities 1) create a tourism development and marketing plan, 2) work in partnerships with other organizations, and 3) recognize their unique identity and sense of place to appeal to visitors. A First Impressions visit to Ferryville identified its beautiful natural setting and views as strengths but noted challenges around the small population, lack of businesses and services, and need to attract more travelers passing through.
Este documento define el software educativo como una herramienta creada para facilitar la enseñanza del profesor y el aprendizaje del alumno. Explica que el software educativo puede utilizarse para presentar cálculo, idioma, texto y voz, y que es interactivo, atractivo y fácil de instalar. También destaca algunas ventajas del software educativo como que es llamativo para los alumnos, facilita la repetición de ejercicios para los profesores y ahorra tiempo y costos.
Beth Mullen offers graphic design services including typography, webpages, photography, slide design, magazine layout, movie posters, event advertising, and infographics. She promises to do everything related to visual communication and marketing. Potential clients are encouraged to hire her as she is confident in her ability to succeed on projects.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Google Drive es un servicio de almacenamiento en la nube de Google que reemplazó a Google Docs en 2012, permitiendo a los usuarios acceder y editar archivos desde cualquier dispositivo con una cuenta de Gmail; los usuarios pueden ingresar a Google Drive a través de www.google.com/intl/es/drive/ u otra forma con su cuenta de Gmail.
The document summarizes an invitation from Epsilon to apply for career opportunities in their new Bengaluru office. Epsilon is a global marketing company with 7,000 employees worldwide that provides services like customer insights, marketing strategy, creative design, and media/technology solutions to 15 of the top 20 global brands. The new Bengaluru office will add 1,000 employees within two years and offers opportunities in technical and digital marketing roles.
Viterbi decoding algorithm is a complete decoding algorithm with zero probability of decoding failure, but larger probability of decoding error than an incomplete decoder. It is practical for binary codes of small constraint length. Stack algorithm reduces computational work by keeping track of paths it has already traversed...
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms for those who already suffer from conditions like anxiety and depression.
Exadata and the Oracle Optimizer: The Untold StoryEnkitec
The document discusses how the Oracle optimizer can select suboptimal plans on Exadata due to not properly accounting for the faster speeds of full table scans enabled by Exadata's offloading capabilities and storage compression. It explains how updating statistics to reflect Exadata's multi-block read capabilities and gathering new system statistics can help the optimizer generate better plans that leverage Exadata's performance features.
This document provides an introduction to switching systems. It discusses how telecommunication networks allow entities like computers and humans to transfer information over long distances. The key components of a communication switching system are end systems, transmission systems, switching systems, and signaling. The document traces the historical development of switching technologies from human operators to modern digital systems. It also covers various telephone networks, criteria for network design like grade of service, and different switching approaches like centralized and hierarchical systems.
The World Bank is an internationally supported bank that provides financial and technical assistance to developing countries for programs to reduce poverty such as infrastructure projects. It has over 185 member countries and 10,000 staff worldwide. The World Bank generates funds through loans and grants to help developing countries build infrastructure, strengthen financial systems, and reduce poverty.
This document summarizes Africa's annual financial losses to the rest of the world compared to financial inflows. Key points:
- Africa loses $192 billion annually through outflows like multinational company profits ($46.3B), debt payments ($21B), and tax avoidance ($35.3B).
- Financial inflows to Africa total $134 billion, resulting in a net annual loss of $58 billion for the continent.
- The amounts lost far exceed international aid received, which is less than $30 billion per year. For every $100 in aid, $640 is lost through outflows.
- Continued losses at this rate will drain $580 billion from Africa in the next decade alone
A2 CAMBRIDGE GEOGRAPHY: GLOBAL INTERDEPENDENCE - DEBT AND AID AND THEIR MANAG...George Dumitrache
The document discusses various issues relating to debt and international aid for developing countries. It explains that many poor countries face large debt burdens that consume a significant portion of their export earnings. While debt relief programs have helped reduce this burden to some extent, critics argue that more should be done. The document also discusses different types of international aid and debates around its effectiveness and potential drawbacks, such as creating dependency.
Canada's largest trading partners are the United States, China, Mexico, Japan, and the United Kingdom. The US accounts for 81% of Canada's exports and 56% of its imports. Several international organizations work to promote free trade, including the World Trade Organization, NAFTA, and the proposed FTAA. Fair trade aims to ensure producers in developing countries receive fair wages and work in safe conditions.
Evolving Financial Systems to Reach the SDGsSDGsPlus
The document discusses evolving financial systems to support achieving the Sustainable Development Goals. It notes that annual investments of hundreds of billions will be needed across sectors like power, transport, and telecom. It reviews lessons from implementing the Millennium Development Goals and outlines the holistic nature of the 17 Sustainable Development Goals. The World Bank aims to play a key role by focusing on human capital, sustainable and inclusive growth, and resilience. Alternative sources of financing like Islamic finance and social impact investing will be important alongside public funds like IDA. Mobilizing private capital through de-risking and public-private partnerships will also be essential to meeting the investment needs.
Justin Trudeau's brother Alexandre has close ties to Iran and has produced propaganda documentaries for them. Several members of Trudeau's cabinet have also met with Iranian officials, concerning Israel and Saudi Arabia given Iran's nuclear ambitions and role in conflicts like Syria and Yemen. The ties between Trudeau's team and Iran have raised questions about Canada's approach towards the Middle Eastern geopolitical situation.
How Opportunity Zone Funds Drive Our Nation ForwardCBIZ, Inc.
In this guest article appearing in our June 2020 CRE newsletter, the CEO of Caliber talks about the renewed interest in an important economic development tool – Opportunity Zone Funds – and the rare opportunity for disparate parties to move forward in a way that is both productive at the local community level and therapeutic for our Nation.
This document provides information about the Ministry of Interior Affairs and National Security and the Mairie de Yopougon in Cote d'Ivoire. It details the contact information and mission of the Mairie de Yopougon, which serves over 1.5 million people in Yopougon. The document also summarizes demographic and economic data about Cote d'Ivoire, highlighting challenges such as poverty, illiteracy, and lack of infrastructure. It outlines the current programs and projects of the Mairie de Yopougon to address issues like urban poverty alleviation, health, education, and disaster management.
13.2 Global Interdependence: Debt and aid and their managementGeorge Dumitrache
External debt is money owed by a country or its citizens to foreign lenders. A country's debt service ratio measures how much of its export earnings must go toward debt payments. Debt relief involves cancelling debts to allow poorer countries to use funds for social programs. International aid aims to improve recipient countries' economies and living standards through money, goods, and support. Effectiveness of aid has increasingly focused on sustainable, community-led approaches like those of NGOs and microcredit organizations.
Great places ferryville presentation 6 28-10lauraebrown
The document discusses strategies for tourism development in rural communities like Ferryville. It outlines five strategies: 1) creating a tourism development plan, 2) partnering with other communities and organizations, 3) improving first impressions through beautification and hospitality training, 4) celebrating local history and culture, and 5) creating activities for visitors. It also summarizes the results of a secret shopper visit between Ferryville and Alma, identifying opportunities and challenges for Ferryville tourism.
Great places ferryville presentation 6 28-10lauraebrown
The document discusses strategies for tourism development in rural communities like Ferryville. It recommends that communities 1) create a tourism development and marketing plan, 2) work in partnerships with other organizations, and 3) recognize their unique identity and sense of place to appeal to visitors. A First Impressions visit to Ferryville identified its beautiful natural setting and views as strengths but noted challenges around the small population, lack of businesses and services, and need to attract more travelers passing through.
Este documento define el software educativo como una herramienta creada para facilitar la enseñanza del profesor y el aprendizaje del alumno. Explica que el software educativo puede utilizarse para presentar cálculo, idioma, texto y voz, y que es interactivo, atractivo y fácil de instalar. También destaca algunas ventajas del software educativo como que es llamativo para los alumnos, facilita la repetición de ejercicios para los profesores y ahorra tiempo y costos.
Beth Mullen offers graphic design services including typography, webpages, photography, slide design, magazine layout, movie posters, event advertising, and infographics. She promises to do everything related to visual communication and marketing. Potential clients are encouraged to hire her as she is confident in her ability to succeed on projects.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Google Drive es un servicio de almacenamiento en la nube de Google que reemplazó a Google Docs en 2012, permitiendo a los usuarios acceder y editar archivos desde cualquier dispositivo con una cuenta de Gmail; los usuarios pueden ingresar a Google Drive a través de www.google.com/intl/es/drive/ u otra forma con su cuenta de Gmail.
The document summarizes an invitation from Epsilon to apply for career opportunities in their new Bengaluru office. Epsilon is a global marketing company with 7,000 employees worldwide that provides services like customer insights, marketing strategy, creative design, and media/technology solutions to 15 of the top 20 global brands. The new Bengaluru office will add 1,000 employees within two years and offers opportunities in technical and digital marketing roles.
Viterbi decoding algorithm is a complete decoding algorithm with zero probability of decoding failure, but larger probability of decoding error than an incomplete decoder. It is practical for binary codes of small constraint length. Stack algorithm reduces computational work by keeping track of paths it has already traversed...
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms for those who already suffer from conditions like anxiety and depression.
Exadata and the Oracle Optimizer: The Untold StoryEnkitec
The document discusses how the Oracle optimizer can select suboptimal plans on Exadata due to not properly accounting for the faster speeds of full table scans enabled by Exadata's offloading capabilities and storage compression. It explains how updating statistics to reflect Exadata's multi-block read capabilities and gathering new system statistics can help the optimizer generate better plans that leverage Exadata's performance features.
This document provides an introduction to switching systems. It discusses how telecommunication networks allow entities like computers and humans to transfer information over long distances. The key components of a communication switching system are end systems, transmission systems, switching systems, and signaling. The document traces the historical development of switching technologies from human operators to modern digital systems. It also covers various telephone networks, criteria for network design like grade of service, and different switching approaches like centralized and hierarchical systems.
Digital to Analog Converter by LDCE studentsMitul Lakhani
This document describes interfacing a microcontroller with a digital-to-analog converter (DAC) to generate a sine wave signal. It includes a circuit diagram and components list for the interface, as well as an algorithm, assembly language program, and lookup table to output sine wave voltage values from the DAC. The program uses a pointer to step through the table storing sine amplitudes and sends the digital values to the DAC port to produce the analog sine wave output. An oscilloscope image confirms the generated sine wave signal.
The document discusses the key elements of a switching system. A switching system establishes communication paths between distant points by receiving control signals and messages and forwarding them to their destinations. It uses either circuit switching for telephone networks or packet switching for computer communication. The main elements of a switching system include trunk interfaces, subscriber line interfaces, service circuit interfaces, a controller, operator console, subscriber and distributor units, trunk circuit scanners and distributor units, and junctors. A block diagram shows how these elements are connected within the switching network.
Cuadro sinóptico de la metodología de la investigación Harryestela
El documento trata sobre la recreación histórica como actividad educativa y sus beneficios para los estudiantes y profesores. También discute la importancia de enseñar a pensar críticamente sobre el pasado y el presente. Explica conceptos como epistemología docente, didáctica y pensamiento complejo. Por último, describe un proyecto de investigación educativa que busca innovar los materiales didácticos a través de cinco fases: diseño conceptual, diseño de materiales, experimentación, análisis de resultados y conclusiones.
Orthogonal Frequency Division Multiplexing, OFDM uses a large number of narrow sub-carriers for multi-carrier transmission to overcome the effect of multi path fading problem. LTE uses OFDM for the downlink, from base station to terminal to transmit the data over many narrow band careers of 180 KHz each instead of spreading one signal over the complete 5MHz career bandwidth. OFDM meets the LTE requirement for spectrum flexibility and enables cost-efficient solutions for very wide carriers with high peak rates.
The primary advantage of OFDM over single-carrier schemes is its ability to cope with severe channel conditions. Channel equalization is simplified. The low symbol rate makes the use of a guard interval between symbols affordable, making it possible to eliminate inter symbol interference (ISI).
The 2nd Biennial Engaging Immigrant Entrepreneurs & Small Business Owners ForumAllentza Michel
This document summarizes information presented at the 2nd Biennial Forum on Engaging Immigrant Entrepreneurs & Small Business Owners on November 13, 2015. It discusses the need to understand why immigrants start businesses, their development paths, and the enablers and barriers to their success. It then provides an overview of social forms of production, enterprise development stages, and the differing characteristics of self-employment, small businesses, and growth businesses. Finally, it introduces Alvaro Lima from Bunker Hill Community College and Denzil Mohammed from the Immigrant Learning Center as presenters at the forum.
The document discusses Dahabshiil, a major money transfer business with a global presence. It summarizes that Dahabshiil transfers over $1.6 billion annually to Somalia from the Somali diaspora for daily needs, development projects, and investments. The CEO discusses opportunities for innovation in mobile banking and payments to further serve customers and support Somalia's economy. He proposes partnerships to develop agriculture, alternative energy, and exports to promote economic growth funded by remittances.
This document discusses strategies for Michigan to embrace globalization and immigration. It proposes a Global Michigan menu that focuses on: 1) Business attraction through EB-5 visas, nearshoring, and homeshoring, 2) Improving quality of place with cultural ambassadors and welcoming initiatives, and 3) Retaining international students. Examples are given of successful EB-5 programs in other states and ways cultural ambassadors could promote international investment and integration. The document advocates developing an export strategy using international talent and outlines Michigan's large international student population and its economic contribution.
This document summarizes the state of housing microfinance in Africa. It discusses what housing microfinance is, outlines that it is a growing sector with increasing demand. It identifies opportunities in the sector, such as successful microlending programs and high urbanization rates, as well as challenges around issues like land tenure, funding, and appropriate products. Specific examples of housing microfinance programs in countries like Tanzania, Angola, and Uganda are provided.
Mr. Dennis Monong from the People’s Credit and Finance Corporation puts the role microfinance plays in times of uncertainty in perspective. (Jan 29, PACAP Community Development Fourm - Microfinance Amidst the Global Financial Crisis)
This document discusses funding and investment opportunities in Nigeria's creative economy. It begins with an introduction on the potential of the creative economy. It then provides an overview of the Nigerian creative economy, noting it is the 2nd largest employer and will contribute N5 trillion to GDP by 2025 across five sectors. The document discusses opportunities to empower emerging creatives through strategic funding. It also highlights opportunities in Lagos for creative and commercial collaboration. It discusses dynamics of strategic investment in the creative economy and various funding models including traditional and emerging options. Government policies and global case studies that support the creative economy through funding and incentives are also examined.
This document discusses the economic potential and opportunities in Africa. It notes that several international organizations predict Africa is on the brink of significant economic growth, similar to previous growth periods in China and India. The document outlines some of the key drivers of business development in Africa, such as high growth economies, urbanization, and the developing middle class. It also discusses some of the main challenges to business development, including diversity of consumers, poor infrastructure, governance issues, and income disparities. The document argues that Africa represents a major opportunity for multinational corporations and that significant economic growth and development is underway, especially in cities across the continent.
Micro-finance provides small loans and other financial services to low-income individuals who do not have access to traditional banking services. It has helped many people start small businesses and increase their incomes. However, some argue that interest rates on micro-loans are sometimes too high and micro-finance does not address the underlying structural causes of poverty. The document discusses different models of micro-finance organizations and provides examples of how micro-loans have helped individuals and families in developing countries.
The Promise of a Better Tomorrow
The continent’s long-term growth prospects are strong, propelled by both external trends in the global economy and internal changes in the continent’s societies and economies.
Presented by Michael Mithika, SAM Course Director - School of African Microfinance
This document summarizes a presentation made to the Port of Greater Cincinnati Development Authority Board of Directors about investing in neighborhoods. It discusses how poverty continues to undermine the American Dream for many, and how concentrated poverty in certain areas leads to poor outcomes for children. It then outlines a proposed comprehensive community revitalization strategy focusing on rebuilding homes and revitalizing business districts in 10 neighborhoods over 10 years. This approach aims to decrease poverty, crime, and blight while increasing neighborhood leadership, housing values, and economic opportunities. Funding of $2.5 million annually is requested to accelerate the work and maximize its impact.
Increasing access to the financial mainstreamcraigslist_fndn
San Francisco Treasurer José Cisneros and José Quinonez, Executive Director of the Mission Asset Fund, discuss innovative strategies to provide financial services to underserved communities and the impact these programs have on local and national policy. Under the leadership of Treasurer José Cisneros, San Francisco has emerged as a leader in the financial empowerment field through groundbreaking initiatives such as Bank on San Francisco and Payday Plus SF, which work with financial institutions to create better products and services for those excluded from the financial mainstream. At the same time, the Mission Asset Fund is taking informal practices such as the peer lending circles popular in immigrant communities, and creating financial products that help build credit and formalize participation in the mainstream economy. Both approaches are now seen as national models for reducing financial exclusion. In this session, panelists discuss effective strategies for increasing access to the financial mainstream and the implications these approaches have for local and national policy.
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing F...AfricaChinaUrbanInitiative
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing Finance in Africa ", Kecia Rust 07/30/2012
http://urban-africa-china.angonet.org/content/theme-2-financing-social-housing
Small loans, big differences presentation october_1_2011Malik Mirza
What is the story of microfinance? How did it started? What were the last words of Professor Younus at the time when he was leaving Grameen Bank? What are the dynamics of microfinance in pakistan?
This is a presentation made to a gathering of journalists on October 1, 2011 to provide them with basic information about microfinance.
This presentation also includes a slide on different websites which can be used as resources by those who intend to find more material on microfinance.
Manilall Seetohul, Mauritius Housing Company.
With more than 46 cities in Africa swelling to populations of a million people or more — and 17 of the world's 100 fastest-growing cities located in Africa — there is an acute need to develop housing solutions for so many urban residents. But raising the capital to meet that growing demand for housing remains a significant challenge. In 2013, the African Union for Housing Finance (AUHF) will host a conference under the theme "Raising Capital for Housing Finance.” The Africa-China Urban Initiative will organize a conference panel discussion on "Understanding (and harnessing) Chinese investment interest." Chinese investment in residential development in Africa is increasingly having an impact and demonstrating a track record of opportunity and experience. Panelists invited include Chinese investors setting out their experiences and expectations for the market and an African corporation that has received Chinese financing.
http://urban-africa-china.angonet.org/content/29th-annual-conference-mobilising-capital-housing-finance
Presentation by Dr. Jane Ives, Director, Global Grameen & NGO Student Internship Program, Thunderbird School of Global Management, 29Oct2009, Lokey Graduate School of Business, Mills College
View the video: http://vimeo.com/7925115
What is Islamic Microfinance? Making it a Sustainable RealityDinarStandard
Rafi-uddin Shikoh (CEO, Dinar Standard) presentation on Islamic microfinance for Ethica Institute Webinar. Topics covered:
- Global micro-finance landscape, social impact, and short comings today
- Social needs for micro-finance in Muslim majority countries
- Islamic micro-finance landscape: Key players and success stories
- Islamic micro-finance core models and structures
Bank of America is one of the largest financial institutions in the world serving individual consumers, small businesses, and large corporations. It has over 142,000 employees and $621.7 billion in total assets. Some of Bank of America's stakeholders include customers, investors, regulators, community organizations, and employees. It faces challenges such as lawsuits over alleged discriminatory lending practices and environmental impact of continuing to invest in coal. Bank of America aims to engage with stakeholders, pursue corporate social responsibility and environmental sustainability initiatives, and empower women leaders through financing.
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Digital Marketing with a Focus on Sustainabilitysssourabhsharma
Digital Marketing best practices including influencer marketing, content creators, and omnichannel marketing for Sustainable Brands at the Sustainable Cosmetics Summit 2024 in New York
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This presentation is a curated compilation of PowerPoint diagrams and templates designed to illustrate 20 different digital transformation frameworks and models. These frameworks are based on recent industry trends and best practices, ensuring that the content remains relevant and up-to-date.
Key highlights include Microsoft's Digital Transformation Framework, which focuses on driving innovation and efficiency, and McKinsey's Ten Guiding Principles, which provide strategic insights for successful digital transformation. Additionally, Forrester's framework emphasizes enhancing customer experiences and modernizing IT infrastructure, while IDC's MaturityScape helps assess and develop organizational digital maturity. MIT's framework explores cutting-edge strategies for achieving digital success.
These materials are perfect for enhancing your business or classroom presentations, offering visual aids to supplement your insights. Please note that while comprehensive, these slides are intended as supplementary resources and may not be complete for standalone instructional purposes.
Frameworks/Models included:
Microsoft’s Digital Transformation Framework
McKinsey’s Ten Guiding Principles of Digital Transformation
Forrester’s Digital Transformation Framework
IDC’s Digital Transformation MaturityScape
MIT’s Digital Transformation Framework
Gartner’s Digital Transformation Framework
Accenture’s Digital Strategy & Enterprise Frameworks
Deloitte’s Digital Industrial Transformation Framework
Capgemini’s Digital Transformation Framework
PwC’s Digital Transformation Framework
Cisco’s Digital Transformation Framework
Cognizant’s Digital Transformation Framework
DXC Technology’s Digital Transformation Framework
The BCG Strategy Palette
McKinsey’s Digital Transformation Framework
Digital Transformation Compass
Four Levels of Digital Maturity
Design Thinking Framework
Business Model Canvas
Customer Journey Map
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This PowerPoint compilation offers a comprehensive overview of 20 leading innovation management frameworks and methodologies, selected for their broad applicability across various industries and organizational contexts. These frameworks are valuable resources for a wide range of users, including business professionals, educators, and consultants.
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INCLUDED FRAMEWORKS/MODELS:
1. Stanford’s Design Thinking
2. IDEO’s Human-Centered Design
3. Strategyzer’s Business Model Innovation
4. Lean Startup Methodology
5. Agile Innovation Framework
6. Doblin’s Ten Types of Innovation
7. McKinsey’s Three Horizons of Growth
8. Customer Journey Map
9. Christensen’s Disruptive Innovation Theory
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11. Strategyn’s Jobs-To-Be-Done (JTBD) Framework with Job Map
12. Design Sprint Framework
13. The Double Diamond
14. Lean Six Sigma DMAIC
15. TRIZ Problem-Solving Framework
16. Edward de Bono’s Six Thinking Hats
17. Stage-Gate Model
18. Toyota’s Six Steps of Kaizen
19. Microsoft’s Digital Transformation Framework
20. Design for Six Sigma (DFSS)
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2. Your presenter:
Hussein Samatar
• Refugee from Somalia, 1991
• MBA, St. Thomas University
• 9 years commercial banking experience
• Executive Director, ADC, since 2002
• Boards: Minneapolis Foundation,
Citizens League, Humphrey Institute
• German Marshall Memorial Fellow 2007
3. This presentation:
Minnesota: a history of
immigration and innovation
How Africans are becoming
an integral part of Minnesota
today
ADC: Developing a model
for economically empowering
Africans in Minnesota
5. Minnesota’s economic profile
Statistics:
Type Highly diversified
Population 5.2 million
GDP 260 billion
Median $56,000 (5th in U.S.)
household
income
6. Minnesota then
• 1896: election instructions in nine
languages: English, German, Norwegian,
Swedish, Finnish, French, Czech, Italian
and Polish
• 1910: 60% of population foreign born
• 1910: 23 foreign language daily
newspapers in Minneapolis and St. Paul
7. Minnesota now
• 5.1% of population foreign born
• 20% of households speak a language
other than English
9. African presence in Minnesota
• Minnesota ranks 30th in the nation for the
number of immigrants*
• It ranks 8th in the nation for the number
of refugees*
• African-born population: 135,000**
• 19% of foreign-born state population,
highest percentage in U.S.A.
• A young community–median age 30 years
• Largest Somali population in Western world
• Other large populations: Liberian, Sudanese,
Nigerian, Ethiopian, Eritrean
Sources: *www.ethnictrends.info, **ADC estimate
10. Africans immigrants in the
%
Minnesota economy
• A greater percentage in the workforce
than in other states–75%
• Top four industries: education, healthcare,
manufacturing and retail
• Median Household Income: $31,640
11. Growth too fast to count
%
“Minnesota is definitely drawing African
immigrants in large numbers. If you
include children born here, it may have
doubled already in this decade.”
– Barbara Ronningen, immigration specialist,
Minnesota Office of Geographic and
Demographic Analysis
12. African buying power
in Minnesota
Somali $216 million
Ethiopian 203 million
Kenyan 167 million
Liberian 142 million
Nigerian 71 million
Eritrean 22 million
Sudanese 8 million
Cameroon 6 million
Source: www.ethnictrends.info
(assumes 30% federal and state taxes have been deducted
from these numbers)
13. African buying power
$
in the U.S.
• $45 billion
• This number is greater than the individual
GDP of 120 different countries in the world
• In relative terms, this represents the
6th largest African GDP following that
of Morocco
Source: www.ethnictrends.info
14. African immigrants in
Minnesota also struggle
• 32% below the poverty line
• 28% home ownership rate
“... other large racial and ethnic groups,
especially African immigrants, are sliding
backwards, apparently because a strong tide
of newcomers just starting out is diluting
any strides being made by those who have
been in Minnesota longer.”
– Star Tribune (Minneapolis, St. Paul)
November 14, 2006
16. ADC: Developing a model for
economically empowering
African immigrants and refugees
in Minnesota
“Your guide to financial success in America”
Mission:
We work with the African communities in
Minnesota to start and sustain successful
businesses, build wealth, and promote
community reinvestment.
17. ADC timeline
2002- Community listening sessions
2003 identify need for culturally sensitive
services
ADC established as the Twin Cities’
– and likely the United States’–
first community development
corporation for African immigrants
and refugees
2004 ADC received first major funding
First full-time staff, programs begin
18. 3 homeowners trained,
32 entrepreneurs trained
2005
Loan fund begins:
$25,000, 1 client
Islamic financing program begins
88 homeowners trained,
91 entrepreneurs trained to date
2006 Midtown Global Market opens as
largest public market in Minnesota;
ADC is one of the four developers
19. Loan portfolio grows to $1 million,
50 clients
ADC Financial Literacy Center opens
in Minneapolis
187 homeowners trained,
128 entrepreneurs trained to date
ADC partners with City of
2007
Minneapolis to launch alternative
financing program
Begin serving Greater Minnesota
20. 394 homeowners,
180 entrepreneurs trained to date
ADC recognized nationally and
internationally as resource on the
economic empowerment of
African immigrants and refugees
Loan portfolio grows to $1.5M
with 88 clients financed to date
ADC hosts delegations from Africa
2008
and Europe to explore its model of
economic development for African
immigrant populations
21. ADC opens second office in
Mankato, Minnesota, to serve
Greater Minnesota
ADC launches mortgage company
515 homeowners,
285 entrepreneurs trained to date
(as of 9-08)
Loan portfolio grows to $2.3M
with 110 clients financed to date
(as of 9-08)
22. Hussein Samatar is honored as a
“Living Legend” along with former
Minneapolis mayor Sharon Sayles
Belton by Urban Financial Services
Coalition
City of Minneapolis’ Community
Planning and Economic Develop-
ment department identifies ADC as
the most productive CDC in city
23. Market growth: ADC estimates
• 1994: No significant African businesses in
Minnesota
• 2008: 1,200 African-run and -managed
businesses in the state
25. Barriers to home ownership
• Unfamiliarity with the process
• No savings for down payment
• Credit / lending practices
• Cultural factors / preference to start a
business instead of buying a house
26. ADC’s response
• Business planning workshops
• Home ownership and financial literacy
training
• Technical assistance
• Micro-lending
• Partnerships with banks, community
developers and local governments
27. Business development
• Workshops: 285 entrepreneurs trained
since 2004
• Technical assistance, loan packaging
and micro-lending to more than 110
entrepreneurs
• Advocate for Sharia-compliant finance
products
• 10 clients have purchased commercial
real estate
31. Markets in Minnesota
• More than 400 businesses in five major
suuqs in Twin Cities
• Increased diversification and mainstream
marketing of African-owned retail, from
fine art to travel agencies
32. Transportation
Hussein Ali Ahmed,
Quale Transport
• First client to repay an ADC micro-loan
• Owner of three long-haul trucks
• Goal: ten trucks within three years
33. Retail food
Jamal Hashi,
Safari Express Restaurant
• First indigenous Somali fast food
restaurant in the U.S.
• Favorite of Africans and non-Africans
alike at Midtown Global Market
34. Midtown Global Market
• Largest public market in 5-state area
• Located in Minnesota’s second-largest
commercial building
• Small business incubator
• ADC one of four development partners
• 8 ADC clients now operating in MGM
35. Breakthrough: Minneapolis
April 2007: City of Minneapolis introduces
profit-based (Sharia-compliant) public
financing for small businesses.
• A matching loan partnership with local
banks, community developers and
individual investors
• A boon to the city’s Muslims
• Open to all small business entrepreneurs
36. Sharia-compliant lending
ADC and the City of Minneapolis have part-
nered to launch a new alternative financing
program for small business owners.
Investment repayment is based on a profit
model rather than interest. This type of
financing opens doors for the city’s growing
number of Muslim entrepreneurs whose
religious beliefs restrict them from receiving
traditional interest-based financing.
The program’s first loan recipient, Shukri
Gedi, has owned a clothing and accessories
store in the Karmel Mall in south Minneapolis
since 2000.
38. Training the trainer
• Pilot program launched 2006
• Prepares fellow community members and
community developers to provide basic
financial literacy education
• Focused on cultural challenges facing
African immigrants and refugees
41. Impact
• In less than ten years Africans, Latinos
and Asians have revitalized several inner-
city commercial corridors
• African-owned businesses are taking hold
in suburbs and “outstate” cities
• Among ADC clients, total capitalization
has risen $29M since 2004
42. Looking ahead
• New services and revenue streams
– ADC Financial Services, Inc., mortgage
origination
• Murabaha partnership for Sharia-compliant
home mortgage lending Minnesota
Housing and Devon Bank)
• Capital campaign for ADC headquarters
building
• New Greater Minnesota partnerships
43. Conclusions
• Despite cultural challenges, Africans
in Minnesota are building wealth.
• Community economic development
assistance has led to reinvestment.
• Islamic financial products represent
market choice, not special treatment.