Pablo Pombo is the Technical Secretary of the Iberoamerican Network of Guarantees and has over 33 years of experience in the sector of guarantee systems. He gave a presentation on the development of guarantee schemes across the world with a focus on recent developments in Africa and the Americas. He discussed that guarantee systems have grown and evolved significantly in Latin America over the past 10-15 years, with the number of SMEs increasing over 600% and guarantees portfolio growing over 900%. However, systems remain heterogeneous between countries and regions.
FOGAPE is Chile's state-owned partial credit guarantee fund that helps small and medium enterprises obtain financing. A study found that FOGAPE has a positive impact by increasing the volume of credit obtained by beneficiary SMEs by an average of 40% and enabling 14% of SMEs to access financing for the first time. SMEs that use FOGAPE financing also experience increases in sales and profits of around 6% and 4% annually. However, these benefits are primarily seen for SMEs in metropolitan regions; in other regions, only increased access to financing could be statistically detected.
- Globally, guarantee systems are a heterogeneous and internationally recognized reality that help improve access to financing for SMEs.
- Conceptually, guarantee systems help address information asymmetries between lenders and SMEs and can help classify risk to optimize financial institutions' management and regulatory requirements.
- Strategically, guarantee systems should be fully integrated into the financial system through a "strategic alliance" to best transfer credit risk from banks to the guarantee system and promote SME access to financing.
P2P Protect Co. Ltd. is a peer-to-peer insurance company operating in China that allows communities to share risks. It has over 10,000 members and plans to launch 18 new products by end of 2017. The company is exploring expansion to the US through a joint venture and to Europe. It aims to offer more affordable and transparent insurance through a collaborative model.
This document discusses long term investment perspectives and solutions. It begins by outlining common investment questions and problems clients face. It then provides principles for problem solving, including taking a long term view, diversification, and active asset allocation. Several charts show long term returns for various asset classes and indexes, demonstrating the benefits of equities and downsides of cash over time. It discusses MacroSolutions' approach of integrating top-down macro analysis with bottom-up stock selection and provides some examples of investment themes. Performance charts show the funds outperforming peers and delivering returns above inflation over multiple time periods. It concludes that a multi-asset class approach can solve most client needs and that active management adds value over the long term.
This document provides an overview of PROCOLOMBIA, the government agency that promotes exports, tourism, investment and industrial expansion in Colombia. It discusses PROCOLOMBIA's presence in Colombia and around the world. It also summarizes key facts about Colombia's investment environment, economic growth, macroeconomic stability, expanding middle class, competitive advantages, and rankings as one of the top destinations for foreign direct investment in the world.
Colombia provides a competitive investment environment and business opportunities for foreign investors. It has experienced strong and stable economic growth in recent years, with GDP growth above 4% annually from 2013-2014. Colombia also has low inflation, controlled debt levels, and investment grade credit ratings. The country aims to further improve its business climate by pursuing OECD membership and implementing recommended reforms. Colombia has seen rising foreign direct investment inflows in recent years, reaching a record high in 2014 outside of the oil and mining sectors.
The document provides an overview of the Africa Guarantee Fund (AGF), which uses credit guarantees and capacity development initiatives to enable financial institutions to provide financing to small and medium enterprises in Africa. It discusses AGF's five pillars - products, capacity development, risk management, treasury management, and impact measurement. AGF aims to increase SME access to financing, strengthen SME and financial institution capabilities, and ultimately contribute to economic growth and poverty reduction across Africa.
This document summarizes a report by CDP (Carbon Disclosure Project) on climate change in 2015. Some key points:
- CDP collected disclosure data on climate change from over 5,500 companies on behalf of 822 institutional investors representing $95 trillion in assets.
- The report analyzes corporate climate actions and emissions data across regions. It identifies companies demonstrating leadership on climate through measures like carbon pricing and low-carbon investment.
- CDP's executive chairman notes that decarbonizing the global economy is an ambitious long-term challenge, but companies are already taking meaningful action and investors are increasingly considering climate risks and opportunities in their portfolios.
FOGAPE is Chile's state-owned partial credit guarantee fund that helps small and medium enterprises obtain financing. A study found that FOGAPE has a positive impact by increasing the volume of credit obtained by beneficiary SMEs by an average of 40% and enabling 14% of SMEs to access financing for the first time. SMEs that use FOGAPE financing also experience increases in sales and profits of around 6% and 4% annually. However, these benefits are primarily seen for SMEs in metropolitan regions; in other regions, only increased access to financing could be statistically detected.
- Globally, guarantee systems are a heterogeneous and internationally recognized reality that help improve access to financing for SMEs.
- Conceptually, guarantee systems help address information asymmetries between lenders and SMEs and can help classify risk to optimize financial institutions' management and regulatory requirements.
- Strategically, guarantee systems should be fully integrated into the financial system through a "strategic alliance" to best transfer credit risk from banks to the guarantee system and promote SME access to financing.
P2P Protect Co. Ltd. is a peer-to-peer insurance company operating in China that allows communities to share risks. It has over 10,000 members and plans to launch 18 new products by end of 2017. The company is exploring expansion to the US through a joint venture and to Europe. It aims to offer more affordable and transparent insurance through a collaborative model.
This document discusses long term investment perspectives and solutions. It begins by outlining common investment questions and problems clients face. It then provides principles for problem solving, including taking a long term view, diversification, and active asset allocation. Several charts show long term returns for various asset classes and indexes, demonstrating the benefits of equities and downsides of cash over time. It discusses MacroSolutions' approach of integrating top-down macro analysis with bottom-up stock selection and provides some examples of investment themes. Performance charts show the funds outperforming peers and delivering returns above inflation over multiple time periods. It concludes that a multi-asset class approach can solve most client needs and that active management adds value over the long term.
This document provides an overview of PROCOLOMBIA, the government agency that promotes exports, tourism, investment and industrial expansion in Colombia. It discusses PROCOLOMBIA's presence in Colombia and around the world. It also summarizes key facts about Colombia's investment environment, economic growth, macroeconomic stability, expanding middle class, competitive advantages, and rankings as one of the top destinations for foreign direct investment in the world.
Colombia provides a competitive investment environment and business opportunities for foreign investors. It has experienced strong and stable economic growth in recent years, with GDP growth above 4% annually from 2013-2014. Colombia also has low inflation, controlled debt levels, and investment grade credit ratings. The country aims to further improve its business climate by pursuing OECD membership and implementing recommended reforms. Colombia has seen rising foreign direct investment inflows in recent years, reaching a record high in 2014 outside of the oil and mining sectors.
The document provides an overview of the Africa Guarantee Fund (AGF), which uses credit guarantees and capacity development initiatives to enable financial institutions to provide financing to small and medium enterprises in Africa. It discusses AGF's five pillars - products, capacity development, risk management, treasury management, and impact measurement. AGF aims to increase SME access to financing, strengthen SME and financial institution capabilities, and ultimately contribute to economic growth and poverty reduction across Africa.
This document summarizes a report by CDP (Carbon Disclosure Project) on climate change in 2015. Some key points:
- CDP collected disclosure data on climate change from over 5,500 companies on behalf of 822 institutional investors representing $95 trillion in assets.
- The report analyzes corporate climate actions and emissions data across regions. It identifies companies demonstrating leadership on climate through measures like carbon pricing and low-carbon investment.
- CDP's executive chairman notes that decarbonizing the global economy is an ambitious long-term challenge, but companies are already taking meaningful action and investors are increasingly considering climate risks and opportunities in their portfolios.
This document provides information about an upcoming conference on microfinance in Egypt. The two-day conference and workshops on January 20-21, 2015 in Cairo will discuss expanding microfinance and financial inclusion in Egypt under the new Microfinance Law. Topics will include how different organizations can benefit from the new law, overcoming risk in microfinance, Sharia-compliant microfinance services, and mobile banking technology solutions. The conference is supported by the Egyptian Financial Services Authority and aims to foster relationships between Egypt and solution providers in shaping the future of microfinance.
Multiplus is a pioneer in the loyalty industry in Brazil with a strong partnership network and four years of proven returns for shareholders. The Brazilian loyalty market is still in early stages with low penetration and solid growth potential. Multiplus has a solid strategy focused on network diversification, member engagement, and value for partners to drive sustainable business growth.
- Colombia has a dynamic and stable economy that is the 31st largest in the world and 4th largest in Latin America. It has seen strong and consistent GDP growth in recent years.
- The country has a growing middle class, reducing poverty, and a highly qualified workforce. It also has a strategic location that allows easy access to markets throughout North and South America.
- Colombia offers a variety of investment opportunities across multiple industries and regions. It has over 10 trade agreements providing access to international markets and is pursuing OECD membership to further open its economy.
The document summarizes a presentation by Winnebago Industries on its leadership, strategic priorities, financial results, the RV market, and growth opportunities. Key points include strengthening its core RV business, expanding into new profitable markets, leveraging innovation, delivering solid financial growth, and total RV retail in North America being up year-over-year with Winnebago gaining market share.
Colombia has a dynamic and stable economy that is growing at a steady pace. It has a large and growing middle class, a diverse range of investment opportunities across many sectors, and a strategic location that allows it to access markets throughout Latin America and beyond through its network of trade agreements. Colombia offers low barriers to foreign direct investment, a supportive legal framework, and a pool of qualified local suppliers.
PRI_Engaging on anti-bribery and corruptionOlivia Mooney
This document discusses the business case for companies and investors to engage on anti-bribery and corruption issues. It outlines that corruption costs an estimated $2.6 trillion annually, or over 5% of global GDP. Corruption scandals can result in huge financial losses and reputational damage for companies. Regulatory enforcement is also increasing across jurisdictions, with the US and UK aggressively prosecuting companies. Deferred prosecution and non-prosecution agreements now require companies to pay large fines, admit wrongdoing, and implement compliance measures. As such, engagement helps companies strengthen anti-corruption controls to mitigate risks and supports investors' fiduciary duty to protect shareholder value.
Tropics Business Summit 2020 Impact Report by Tropics Group of CompaniesH. Vénicia Guinot
We're thrilled to share the 4th annual TROPICS BUSINESS SUMMIT Impact Report with our global Speakers, Partners, and Sponsors. Join us at the 5th edition on October 13-16, 2020 to "Accelerate the transition to the circular economy". For more information, please browse tropicsbusinesssummit.com
Boosting Competitiveness through Reviewing Productive-Sector Value Chains KM2215Kingstone Pumula Kanyile
This document outlines Dr. K. Mlambo's presentation on boosting competitiveness through reviewing productive sector value chains and cost structures in Zimbabwe. The presentation covers: why Zimbabwe is uncompetitive due to high costs, fees, and inefficiencies; constraints on value chain financing like high lending rates and non-performing loans; RBZ initiatives to address issues through policies like lowering rates and establishing credit registries; and suggestions to improve infrastructure, innovation, entrepreneurship, clustering, and policy consistency. The role of banks in value chain financing and initiatives by RBZ to enhance value chains through model projects are also discussed.
This initiative aims to improve the uptake and usage of financial services by providing guidance to financial institutions on becoming more customer-centric. It will develop a "Guide to the Customer-Centric Business Model" to help institutions implement customer-centric practices such as understanding customer needs, empowering employees, and designing customer experiences. The guide will provide five pillars of a customer-centric model and go through iterations over five years. It will also look to empower customers with information and skills to select and use financial products and services effectively.
Market Insights from Top Researchers, Part 2: Market Conditions, Incentives, ...Sustainable Brands
In this data-rich session, top-notch researchers will share their latest observations around the state of play of corporate sustainability within the broader economy, focusing on appetizing new market conditions, incentives, ROI studies and risk management opportunities. Each presentation will be followed by Q&A allowing attendees to glean additional insight on the spot and identify knowledge gaps by discussing the landscape of available data. Expect a wealth of hard information, accompanied by a great opportunity for Q&A with researchers and peers to help inform your strategy for 2014 and beyond.
The document summarizes the history and challenges facing the microfinance industry in South Africa. It discusses four phases of development: before 1992 which was dominated by NGOs; 1992-1999 which saw key growth but also the collapse of some NGOs; 1999-2005 of continued growth within a more regulated environment; and 2006 onwards. Some of the main challenges discussed are the need for expanded financial products like savings and insurance, improving understanding of clients, addressing regulatory burdens, and enhancing access to information.
GfK - The future of insurance: Hong Kong perspectiveGfK
Ronald Leung outlines what the future of insurance in this lucrative market might look like. It discusses the effects of technology on personalization and asks why insurance providers are being left behind.
This document provides an overview of investment opportunities and the business environment in Colombia. Some key points:
- Proexport is the government agency that promotes foreign investment, exports, and tourism in Colombia.
- Colombia has a young and growing population, as well as access to both the Pacific and Atlantic oceans.
- The economy has grown steadily in recent years with inflation and unemployment decreasing. Foreign direct investment has also increased significantly.
- Infrastructure and access to markets have improved, with many international flights available.
The annual report summarizes NAGICO's strong financial performance in 2012.
- NAGICO is a leading insurance provider in the Caribbean with operations in 19 territories and over 30 years in business.
- In 2012, NAGICO achieved record premium revenue of over $108 million, total assets of over $170 million, and net profit of over $10 million, representing significant growth compared to prior year.
- NAGICO's expansion into new markets including Grenada and the Bahamas contributed to its strong financial results in 2012.
The annual report summarizes the World Federation of Advertisers' (WFA) activities and accomplishments in 2015. It provides an overview of the WFA's global presence and events held around the world. It also describes the various marketing groups that were established to connect senior marketers, including the CMOFORUM, IMCFORUM, MEDIAFORUM, CDOFORUM, SOURCINGFORUM, and INSIGHTFORUM. These groups addressed priority issues for members like digital transformation, media transparency, and evolving agency models. The report highlights the WFA's work on key issues like advertising fraud and the future of the media landscape.
The Climate Performance Leadership Index (CPLI) for 2014 recognizes 161 companies as climate change performance leaders. The companies span 12 sectors and come from 26 countries. Many companies have been included on the CPLI for multiple years, demonstrating ongoing leadership in addressing climate change through public disclosure and management of climate-related issues. The index is based on data submitted by companies to CDP, providing information to 767 institutional investors representing over $92 trillion in assets.
Searching for a new mission to work on, I analyzed in Internet how to get in contact which industrial companies which got strong compromise with our future. Not so easy :-)
Hereby I share you from CDP (Carbon Disclosure Project) the "A-List" Report End 2014 ("A" like we all now from energy efficiency labels). Herein you will find 767 companies with clear sustainable strategies. And at the end of the report the black sheeps which did not contribute transparency dates to CDP for the Climate Performance Leadership Index (CPLI).
Interesting, too...all these companies performed in sum better than reference index values on stock exchange. see for details the added report
The document provides an overview of the activities of AECM (Association of European Guarantee Institutions) from June 2018 to June 2019. It summarizes that AECM focused on future EU financial instruments, digitization, communication, impact measurement, statistics, and strengthening membership. It also discusses AECM's engagement in international relations and the exchange of best practices. Upcoming priorities include further political representation, digitization, impact assessment, statistics, and international collaboration.
AECM Annual Event in Antwerp 2019 (12/15 June)
Helen Kopman, Deputy Head of Unit, Digital Innovation and Blockchain, Directorate-General for Communications Networks, Content and Technology (DG CNECT), European Commission.
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This document provides information about an upcoming conference on microfinance in Egypt. The two-day conference and workshops on January 20-21, 2015 in Cairo will discuss expanding microfinance and financial inclusion in Egypt under the new Microfinance Law. Topics will include how different organizations can benefit from the new law, overcoming risk in microfinance, Sharia-compliant microfinance services, and mobile banking technology solutions. The conference is supported by the Egyptian Financial Services Authority and aims to foster relationships between Egypt and solution providers in shaping the future of microfinance.
Multiplus is a pioneer in the loyalty industry in Brazil with a strong partnership network and four years of proven returns for shareholders. The Brazilian loyalty market is still in early stages with low penetration and solid growth potential. Multiplus has a solid strategy focused on network diversification, member engagement, and value for partners to drive sustainable business growth.
- Colombia has a dynamic and stable economy that is the 31st largest in the world and 4th largest in Latin America. It has seen strong and consistent GDP growth in recent years.
- The country has a growing middle class, reducing poverty, and a highly qualified workforce. It also has a strategic location that allows easy access to markets throughout North and South America.
- Colombia offers a variety of investment opportunities across multiple industries and regions. It has over 10 trade agreements providing access to international markets and is pursuing OECD membership to further open its economy.
The document summarizes a presentation by Winnebago Industries on its leadership, strategic priorities, financial results, the RV market, and growth opportunities. Key points include strengthening its core RV business, expanding into new profitable markets, leveraging innovation, delivering solid financial growth, and total RV retail in North America being up year-over-year with Winnebago gaining market share.
Colombia has a dynamic and stable economy that is growing at a steady pace. It has a large and growing middle class, a diverse range of investment opportunities across many sectors, and a strategic location that allows it to access markets throughout Latin America and beyond through its network of trade agreements. Colombia offers low barriers to foreign direct investment, a supportive legal framework, and a pool of qualified local suppliers.
PRI_Engaging on anti-bribery and corruptionOlivia Mooney
This document discusses the business case for companies and investors to engage on anti-bribery and corruption issues. It outlines that corruption costs an estimated $2.6 trillion annually, or over 5% of global GDP. Corruption scandals can result in huge financial losses and reputational damage for companies. Regulatory enforcement is also increasing across jurisdictions, with the US and UK aggressively prosecuting companies. Deferred prosecution and non-prosecution agreements now require companies to pay large fines, admit wrongdoing, and implement compliance measures. As such, engagement helps companies strengthen anti-corruption controls to mitigate risks and supports investors' fiduciary duty to protect shareholder value.
Tropics Business Summit 2020 Impact Report by Tropics Group of CompaniesH. Vénicia Guinot
We're thrilled to share the 4th annual TROPICS BUSINESS SUMMIT Impact Report with our global Speakers, Partners, and Sponsors. Join us at the 5th edition on October 13-16, 2020 to "Accelerate the transition to the circular economy". For more information, please browse tropicsbusinesssummit.com
Boosting Competitiveness through Reviewing Productive-Sector Value Chains KM2215Kingstone Pumula Kanyile
This document outlines Dr. K. Mlambo's presentation on boosting competitiveness through reviewing productive sector value chains and cost structures in Zimbabwe. The presentation covers: why Zimbabwe is uncompetitive due to high costs, fees, and inefficiencies; constraints on value chain financing like high lending rates and non-performing loans; RBZ initiatives to address issues through policies like lowering rates and establishing credit registries; and suggestions to improve infrastructure, innovation, entrepreneurship, clustering, and policy consistency. The role of banks in value chain financing and initiatives by RBZ to enhance value chains through model projects are also discussed.
This initiative aims to improve the uptake and usage of financial services by providing guidance to financial institutions on becoming more customer-centric. It will develop a "Guide to the Customer-Centric Business Model" to help institutions implement customer-centric practices such as understanding customer needs, empowering employees, and designing customer experiences. The guide will provide five pillars of a customer-centric model and go through iterations over five years. It will also look to empower customers with information and skills to select and use financial products and services effectively.
Market Insights from Top Researchers, Part 2: Market Conditions, Incentives, ...Sustainable Brands
In this data-rich session, top-notch researchers will share their latest observations around the state of play of corporate sustainability within the broader economy, focusing on appetizing new market conditions, incentives, ROI studies and risk management opportunities. Each presentation will be followed by Q&A allowing attendees to glean additional insight on the spot and identify knowledge gaps by discussing the landscape of available data. Expect a wealth of hard information, accompanied by a great opportunity for Q&A with researchers and peers to help inform your strategy for 2014 and beyond.
The document summarizes the history and challenges facing the microfinance industry in South Africa. It discusses four phases of development: before 1992 which was dominated by NGOs; 1992-1999 which saw key growth but also the collapse of some NGOs; 1999-2005 of continued growth within a more regulated environment; and 2006 onwards. Some of the main challenges discussed are the need for expanded financial products like savings and insurance, improving understanding of clients, addressing regulatory burdens, and enhancing access to information.
GfK - The future of insurance: Hong Kong perspectiveGfK
Ronald Leung outlines what the future of insurance in this lucrative market might look like. It discusses the effects of technology on personalization and asks why insurance providers are being left behind.
This document provides an overview of investment opportunities and the business environment in Colombia. Some key points:
- Proexport is the government agency that promotes foreign investment, exports, and tourism in Colombia.
- Colombia has a young and growing population, as well as access to both the Pacific and Atlantic oceans.
- The economy has grown steadily in recent years with inflation and unemployment decreasing. Foreign direct investment has also increased significantly.
- Infrastructure and access to markets have improved, with many international flights available.
The annual report summarizes NAGICO's strong financial performance in 2012.
- NAGICO is a leading insurance provider in the Caribbean with operations in 19 territories and over 30 years in business.
- In 2012, NAGICO achieved record premium revenue of over $108 million, total assets of over $170 million, and net profit of over $10 million, representing significant growth compared to prior year.
- NAGICO's expansion into new markets including Grenada and the Bahamas contributed to its strong financial results in 2012.
The annual report summarizes the World Federation of Advertisers' (WFA) activities and accomplishments in 2015. It provides an overview of the WFA's global presence and events held around the world. It also describes the various marketing groups that were established to connect senior marketers, including the CMOFORUM, IMCFORUM, MEDIAFORUM, CDOFORUM, SOURCINGFORUM, and INSIGHTFORUM. These groups addressed priority issues for members like digital transformation, media transparency, and evolving agency models. The report highlights the WFA's work on key issues like advertising fraud and the future of the media landscape.
The Climate Performance Leadership Index (CPLI) for 2014 recognizes 161 companies as climate change performance leaders. The companies span 12 sectors and come from 26 countries. Many companies have been included on the CPLI for multiple years, demonstrating ongoing leadership in addressing climate change through public disclosure and management of climate-related issues. The index is based on data submitted by companies to CDP, providing information to 767 institutional investors representing over $92 trillion in assets.
Searching for a new mission to work on, I analyzed in Internet how to get in contact which industrial companies which got strong compromise with our future. Not so easy :-)
Hereby I share you from CDP (Carbon Disclosure Project) the "A-List" Report End 2014 ("A" like we all now from energy efficiency labels). Herein you will find 767 companies with clear sustainable strategies. And at the end of the report the black sheeps which did not contribute transparency dates to CDP for the Climate Performance Leadership Index (CPLI).
Interesting, too...all these companies performed in sum better than reference index values on stock exchange. see for details the added report
Similar to PABLO POMBO (REGAR)- Breaking down barriers: Guarantee, an international perspective (20)
The document provides an overview of the activities of AECM (Association of European Guarantee Institutions) from June 2018 to June 2019. It summarizes that AECM focused on future EU financial instruments, digitization, communication, impact measurement, statistics, and strengthening membership. It also discusses AECM's engagement in international relations and the exchange of best practices. Upcoming priorities include further political representation, digitization, impact assessment, statistics, and international collaboration.
AECM Annual Event in Antwerp 2019 (12/15 June)
Helen Kopman, Deputy Head of Unit, Digital Innovation and Blockchain, Directorate-General for Communications Networks, Content and Technology (DG CNECT), European Commission.
AECM Annual Event in Antwerp 2019 (12/15 June)
Holger Wassermann, Professor for Controlling and Accounting, FOM University of Applied Science, Berlin
Sascha Frohwerk, Professor for IT-Management, FOM University of Applied Science, Berlin
Leonardo Nafissi has gained an experience of over 25 years about Confidi and works both in regional and national contexts. He’s member of the Technical Committee of Assoconfidi and since 2013 he has been head of Assoconfidi’s Secretariat. Assoconfidi is the Association of the National Federations of Confidi of all economic sectors and operates as a unanimous representative of Confidi towards national public Institutions.
At the same time Leonardo Nafissi is the Director of Fedart Fidi, the national Federation representative of Confidi operating in the craftsmanship sector, which he has been collaborating with since its constitution more than 20 years ago. He’s responsible for lobbying towards public institutions and banks, for several national projects aimed to elaborate a strategic address for associated Confidi on the main subjects of their interest. He is also responsible for the Annual Survey on handcraft Confidi, which for more than 20 years has been describing the main characteristics and trends of the system and has been identified as an important instrument of knowledge of handcraft Confidi for the different representatives.
This document provides information about the Guarantee Fund of the Autonomous Province of Vojvodina in Serbia. It summarizes the fund's purpose, governance structure, business processes, and key performance metrics from 2005-2014. The fund issues guarantees to support agriculture, exports, and women entrepreneurs in Vojvodina. Over this period, it issued over 1,500 guarantees totaling over 35 million euros. The largest areas of support were procurement of agricultural machinery and purchase of agricultural land. In 2014, the fund had 10.2 million euros in exposure and a guarantee potential of over 20 million euros.
Vice President
Fédération Nationale des SOCAMA, France
Plumbing and heating professional in Mende, Jean-Claude Depoisier is Administrator of SOCAMA for the Midi region. Born in 1949, he entered the Board of the National Federation of Socama in 1996 and became its Secretary in 2000. Assistant Treasurer in 2007, he is part of the council secretariat in 2008 and becomes Vice President in 2012.
He is Chairman of the Social Security Fund of the Municipality of Lozère (CPAM + CAF + URSSAF) and of CAP Employment.
Le Fonds Bruxellois de Garantie a pour mission de faciliter l’octroi de crédits professionnels dans la Région de Bruxelles-Capitale en fournissant aux organismes de crédit, moyennant le paiement d’une contribution forfaitaire unique, une part substantielle des garanties qu’ils exigent des PME et des indépendants.
Since October 2011 Alexander Schumann is Chief Economist and Head of Economic Policy Department at the Association of German Chambers of Industry and Commerce.
Previously, from 2006 to 2011, he was Head of Strategic Unit at the Federal Labour Agency, from 2005 to 2006 Project Manager at the Department of Economic and Social Policy Affairs of the Bertelsmann Foundation, from 2004 to 2005 Economist at the Banco Espírito Santo in Lisbon.
Alexander Schumann started his career as an editor at a newspaper and worked later also in the area of public relations. He studied Economics and made his PhD at the universities of Leipzig and Lisbon and worked as research associate.
Vice President of the Management Board, Bank Gospodarstwa Krajowego (State Development Bank), responsible for Corporate Banking Division, including relationship management, structured finance, export finance, product development and guarantee programs for SMEs.
Responsible for client base including both mid-caps and large corporates as well as public sector and financial institutions. Vice Chairman of bank’s Credit Committee, Member of Operational Risk Committee.
He has previously been Executive Director at bank PKO BP S.A. , General Manager and President of the Management Board of Rabobank Polska S.A., Senior Corporate and Investment Banker, Member of the Management Board of ABN AMRO Bank (Polska S.A)., Sales and Product Head for CEE Region Global Transaction Services (ABN AMRO Bank N.V. Head Office, the Netherlands), Deputy Director Corporate Banking (Citibank Poland S.A.) and Division Head (National Bank of Poland, Foreign Department).
Mr Szugajew participates in enhancement of corporate and investment banking operations, building local (Poland) and regional (CEE) corporate banking franchise, while working for leading international and Polish banks.
Alessandro Carano is Adviser to the deputy Director General of the European Commission Directorate for Economic and Financial Affairs. He works on the Investment Plan for the Europe and the European Fund for Strategic Investment.
He was previously Managerial adviser and Head of Unit at European Investment Bank, responsible for the institutional relationship with EU Institutions and other IFIs on policies and activities outside the EU. He led the negotiations on the new EIB External Lending Mandate for the period 2014-2020, allowing up to EUR 30bn in EIB financing in support of EU external action. He contributed to the establishment of the Western Balkans Investment Framework and other blending mechanisms. He worked on the Mid Term review of EIB external mandate including support to the steering committee of wise persons chaired by M. Camdessus, and subsequent codecision procedure. He has also worked in the Projects directorate of the EIB. Previously he worked for Procter & Gamble. He holds an MBA from Vlerick management school and engineering MSc degree from Turin Politechnic University.
Leonardo Nafissi has gained an experience of over 25 years about Confidi and works both in regional and national contexts. He’s member of the Technical Committee of Assoconfidi and since 2013 he has been head of Assoconfidi’s Secretariat. Assoconfidi is the Association of the National Federations of Confidi of all economic sectors and operates as a unanimous representative of Confidi towards national public Institutions.
At the same time Leonardo Nafissi is the Director of Fedart Fidi, the national Federation representative of Confidi operating in the craftsmanship sector, which he has been collaborating with since its constitution more than 20 years ago. He’s responsible for lobbying towards public institutions and banks, for several national projects aimed to elaborate a strategic address for associated Confidi on the main subjects of their interest. He is also responsible for the Annual Survey on handcraft Confidi, which for more than 20 years has been describing the main characteristics and trends of the system and has been identified as an important instrument of knowledge of handcraft Confidi for the different representatives.
Astrid Bartels works in the Directorate General for the Internal Market, Industry, Entrepreneurship and SMEs of the European Commission. She has been with the COSME Financial Instruments unit for the past three years where she is responsible for the co-ordination of the implementation of the COSME Financial Instruments. Prior to this position, she worked in the area of chemicals legislation where she was instrumental to the setting up of the European Chemicals Agency in Helsinki.
Before joining the European Commission she was a corporate relationship manager with Deutsche Bank for ten years and spent two years as a Management Consultant with Bain & Company. She holds an MBA from the Kenan-Flagler Business School of the University of North Carolina in Chapel Hill.
Pietro Calice is a Senior Financial Sector Specialist with the Finance & Markets Global Practice of the World Bank Group. In his capacity, Pietro manages the financial sector development work program in Libya, Palestinian Territories and Saudi Arabia. He also manages regional and global engagements. In particular, Pietro specializes on SME finance, state-owned financial institutions, including credit guarantee schemes, and bank competition policy. He has written extensively on financial stability issues and financial inclusion. Prior to joining the World Bank Group, Pietro served in different capacities at the African Development Bank, including as coordinator for the operational work with African development finance institutions, and worked at rating agencies and investment banks as a bank credit analyst. He has an MSc in Banking and Finance, an MPhil in Development Studies and is a PhD candidate in Economics.
Gunnar Mai is heading the EU Guarantee Facilities division at the European Investment Fund and is responsible for managing the COSME Loan Guarantee Facility and Erasmus+ Master Loan Guarantee Facility. His areas of expertise include financial guarantees, securitisation and structured credit products.
Gunnar started his career at Deutsche Bank London providing financing solutions to investors in commercial real estate throughout Europe. After five years at Deutsche, he joined Swiss Reinsurance to work mainly on financial guarantee transactions.
He studied Business Administration at WHU Otto Beisheim School of Management in Germany and Chile and participated in the MBA programme of Cranfield School of Management, England. Gunnar is a CFA Charter holder.
The document summarizes Lucia Cusmano's presentation at the AECM Annual Seminar in Berlin on June 19, 2015 about building a conducive environment for innovative small- and medium-sized enterprises (SMEs). It discusses challenges SMEs face such as access to finance and regulations, and how business investments have shifted to non-OECD countries. It also outlines an OECD project to benchmark SME performance and business environment policies across countries to help address these challenges.
Kurt Leutgeb (Austria Wirtschaftsservice, aws) - session 16/04/2015
Kurt Leutgeb's presentation at the Operational Training Session held on the 16/17 April 2015 in Maribor.
(a new version of this presentation was uploaded on 2/07/2015 to include more data)
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
5 Tips for Creating Standard Financial ReportsEasyReports
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Understanding how timely GST payments influence a lender's decision to approve loans, this topic explores the correlation between GST compliance and creditworthiness. It highlights how consistent GST payments can enhance a business's financial credibility, potentially leading to higher chances of loan approval.
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