Cahoe clp
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This document discusses creating a classroom literacy profile (CLP) to track student reading progress and drive instruction. Teachers at Yorktown Elementary will collect mandated assessments, unit tests, running records, and observation notes to place students into tiers for the school's RtI program. The CLP binder will store this data, which teachers will use weekly during planning to individualize classroom and intervention instruction based on student needs. The teachers are excited to start using the CLP this year and view it as an adaptable tool to share student updates with stakeholders and shape ongoing reading instruction.
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Awash International Bank
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From Wikipedia, the free encyclopedia
Awash Bank S.C.Awash International Bank.png
Native name
አዋሽ ኢተርናሽናል ባንክ
Type Commercial
Industry Finance
Founded 10 November 1994; 28 years ago
Headquarters Airport Road, Addis Ababa, Ethiopia
8.991997°N 38.782110°E
Key people
Tsehay Shiferaw, CEO
Yohannes Merga, CIO
Tadesse Gemeda, Chief Wholesale Banking Officer
Ato Henock Tessema, Chief Retail & SME Banking Officer
Tilahun Geleta, Chief Finance & Facilities Management Officer
Abebe Deressa, Chief Corporate Strategy Officer
Dessalegn Tolera, Chief Credit Operation Officer
Products Financial services
Revenue 5.87 billion birr (2020/21)
Owner Awash Bank S.C
Number of employees
More than 18000
Website www.awashbank.com
Awash International Bank (Amharic: አዋሽ ኢተርናሽናል ባንክ) is a commercial bank in Ethiopia that was established in 1994 by 486 founding shareholders with a paid-up capital of birr 24.2 million and started banking operations on 13 February 1995. As of end of June 2020 the number of shareholders and its paid-up capital increased to over 4369 and Birr 5.87 billion, respectively. Likewise, as of end June 2020, bank's total assets reached Birr 95.6 billion with over 700 branches found across the country, Awash Bank continues to be leading private commercial Bank in Ethiopia.[1][2]
History
Awash International Bank was founded on 10 November 1994 and started operation on 13 February 1995 with 486 shareholders and paid-up capital of 24.2 million birr.[3][4][5][6] It is named after Awash River.[7] In 2013/14 fiscal year, the bank gained roughly more than 1.37 billion birr, accounting 40% of the whole private banks.[8]
On 24 November 2014, Awash partnered with Misys FusionBanking Essence, a financial software company, to boost its continual growth and the branching process.[9]
References
"Awash Bank – Nurturing Like The River". www.awashbank.com. Retrieved 2022-05-28.
"Company Profile". www.awashbank.com. Retrieved 2022-05-28.
"Ethiopia's Awash International Bank : Growth amid challenges - Shiferaw". The Africa Report.com. 2013-10-14. Retrieved 2022-11-01.
"Awash Bank Ethiopia - All you need to know 2021!". Retrieved 2022-11-01.
"About Awash International Bank". ethiopia.financialadvisory.com. Retrieved 2022-11-01.
"Assessment of Customers' Satisfaction" (PDF). 1 November 2022.
"assessment of credit risk management policies" (PDF). 1 November 2022.
"Battle of the Titans". Retrieved 2022-11-01.
"AIB pioneers core and branch modernisation with Misys" (PDF). 1 November 2022.
External links
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From Wikipedia, the free encyclopedia
Awash Bank S.C.Awash International Bank.png
Native name
አዋሽ ኢተርናሽናል ባንክ
Type Commercial
Industry Finance
Founded 10 November 1994; 28 years ago
Headquarters Airport Road, Addis Ababa, Ethiopia
Business Administration power point.ppt
13. Key Issues
Based on the analyses made, the following key issues are drawn.
• BNPL Financing is a type of short-term financing that allows consumers to make purchases and pay for them at a future date. It is becoming an increasingly popular payment option;
• BNPL has fully digital operating landscape that enables superior customer experience and business efficiency. Thus, it is expected to capture a significant portion of the market with strong growth prospect;
• Dashen Bank is the only bank that provides BNPL financing so far. However, as a substitute product Cooperative Bank of Ethiopia provide the Michu financing.
• Fin-tech and telecommunication companies that work in partnership with domestic banks are potential competitors to BNPL business that provide and facilitate digitized credit facility;
• The domestic experience revealed that:
o The eligibility for the service requires the customers age should be 18 years and above; have a monthly income, which they can prove from their employer or a business license in the case of business owners;
o The maximum spending limit on Dube Ale is currently set at Birr 700,000 and is determined at branches;
o Payments can only be made using the app, and withdrawals are not allowed;
o Customers charged a subscription, guarantee, and convenience fee; The maximum loan duration is 12 months;
o Interest Ranges from 2% to 2.5% on monthly basis;
o The customer should repay the previous credit first to get another credit and the credit can be paid fully or partially; and
o Charges vary depending on the credit period and if payment is made after the due date there will be a penalty fee.
• The market need assessment shows that there is a demand of BNPL financing and almost all interviewed sampled organizations were voluntary to give their employees information when requested by the bank;
• Majority of the sampled respondents prefer loan repayment through mobile banking and also most of the respondents prefer if the duration of loan repayment period up to a year and shall base on value of the purchased item;
• There are five BNPL financing models that are widely applicable. Partnering with Fin-tech to build BNPL solution and Rent out balance sheet are the best models that CBE can adopt right now. Furthermore, the Bank may entertain integrating installments in to credit cards. Acquiring a BNPL company and Rent a technology can also be adopted in line with the banks business model and when the need arise by the market;
• Currently, two local potential fin-tech companies EAGLELION System Technology (Dube Pay) and Seregela PLC approached and show an interest and signed memorandum of understanding to work with CBE through the two business models;
• The expected benefits of BNPL financing for the CBE are the loan is short term; it address the needs of credit access of retail customers; increase and diversify the credit portfolio; and the bank will have a special product that calls for and held its retail customer fr
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Cahoe clp
- 1. Creating a Classroom Literacy Profile By: Michelle Cahoe
- 2. Collaborating Teachers Michelle Cahoe 5th grade teacher - Language Arts - Social Studies Focus on low/struggling readers Amanda Webster Special Education Teacher 3-5 Reading Specialist Tier 2 and 3 Interventionist
- 3. Setting Yorktown Elementary School is located just outside of Muncie. The school enrolled 494 third through fifth grade students during the 2009-2010 school year.
- 5. RtI Influences The school mandated assessments are used to place students in the 3 tiers of our RtI program. Tier 2 students are pulled for 30 minutes during grade level SSR time. Tier 3 students are pulled during SSR time and 3 days a week during specials. Tier 2 and 3 students also receive small group instruction in the classroom.
- 6. How to drive instruction We decided to look at what else we could use in the classroom to help drive our instruction. Information we could collect as a whole class on a more frequent basis. This information had to be quick and easy to collect.
- 7. Continued… Reading series Unit tests - given every 3-4 weeks Running Records - given every 2 weeks Teacher conferencing - every 2-3 weeks
- 8. Informal observation Students would be watched during small group, group work, and independent time. These notes would be kept in the CLP as well. Teachers could refer back to these notes for help with interventions and classroom instruction.
- 9. Storing the information We will be storing our CLP in a binder. The binder will be kept in the classroom. Print outs from the Basal unit tests and the Orchard tests will be added. Charts and spreadsheets may be added as needed by the teacher.
- 10. What now? Even though this information has been collected and has a place to be stored, what do we do with it? We will use this binder of information during our planning time every week to drive our instruction. This data will help with instruction both in the classroom and with RtI interventions.
- 11. Wrapping it up Information for the upcoming school year We are excited to start implementing the CLP this school year. We are both aware that this is an ever changing process that can and will change as the year goes along. This will be a great tool to use with the students, teachers, and parents to update student’s progress and drive our current instruction.
Editor's Notes
- AIMSweb is a cloze procedure or maze assessment. The students read a passage where every seventh word is replaced with 3 word choices. The student must determine which word fits best in the sentence.Orchard is a computer based program that focuses on the students own level. This program is both a remediation and advanced teaching tool.