Senegal is a developing country which faces significant challenges to mobilize resources to finance its development and reduce poverty. At the same time, financial flows from migrant remittances continue to grow and have been above USD 1 billion a year for the last 8 years. Unfortunately, the government has not developed innovative strategies to tap into this significant source of finances. The main purpose of this project is to explore and propose an innovative mechanism to access and use remittances for financing development in a public private partnership (government and migrants) model.
Luis Henrique Paiva, Associate Researcher at the IPC-IG, Researcher at Ipea and, former National Secretary of the Bolsa Familia Programme (2012-2015), gave a presentation on "The Bolsa Família Programme" at the Delhi Economics Conclave, 2015, in New Delhi, India on 6 November. Mr Paiva spoke at Plenary Session 1 about the Brazilian experience with conditional cash transfers. Organised by the Ministry of Finance of the Government of India, this year's theme for the conference was "Realising India's JAM Vision". It was policy-oriented and covered topical economic issues affecting India as well as the world at large.
IRC Southern Africa Regional Programme presentation in the inaugural working session of the UCLGA Water and Sanitation Focal Point Network, August 2010, which was attended by 14. associations from African countries. Contains: Africa - some points, water and sanitation in context, investing in the sector, WASH governance support and IRC programmes.
Tracking the growth of social assistance in developing countries: Databases, challenges and indicators
Armando Barrientos, Professor and Research Director, Brooks World Poverty Institute, University of
Manchester
a.barrientos@manchester.ac.uk
InGRID Expert Workshop on Development and Dissemination of Social Policy Indicators, Swedish Institute for
Social Research, Stockholm, Hotel Sheraton 19-‐‑21 November 2014
Cash Transfers in Latin America and Africa: An OverviewUNDP Policy Centre
A presentation by Mr. Fábio Veras Soares, Coordinator of Social Protection and Cash Transfers at the UNDP-Brasilia based International Policy Centre for Inclusive Growth (IPC-IG) to the Delegation of Uganda participating in the Uganda-Brazil Study Tour on Social Development in Brasília on 26-30 March 2012.
Armando Barrientos, Brooks World Poverty Institute, the University of Manchester, UK
a.barrientos@manchester.ac.uk
Post-Graduate Conference 2014, School of Social and International Studies, University of Bradford, October 31st 2014
Luis Henrique Paiva, Associate Researcher at the IPC-IG, Researcher at Ipea and, former National Secretary of the Bolsa Familia Programme (2012-2015), gave a presentation on "The Bolsa Família Programme" at the Delhi Economics Conclave, 2015, in New Delhi, India on 6 November. Mr Paiva spoke at Plenary Session 1 about the Brazilian experience with conditional cash transfers. Organised by the Ministry of Finance of the Government of India, this year's theme for the conference was "Realising India's JAM Vision". It was policy-oriented and covered topical economic issues affecting India as well as the world at large.
IRC Southern Africa Regional Programme presentation in the inaugural working session of the UCLGA Water and Sanitation Focal Point Network, August 2010, which was attended by 14. associations from African countries. Contains: Africa - some points, water and sanitation in context, investing in the sector, WASH governance support and IRC programmes.
Tracking the growth of social assistance in developing countries: Databases, challenges and indicators
Armando Barrientos, Professor and Research Director, Brooks World Poverty Institute, University of
Manchester
a.barrientos@manchester.ac.uk
InGRID Expert Workshop on Development and Dissemination of Social Policy Indicators, Swedish Institute for
Social Research, Stockholm, Hotel Sheraton 19-‐‑21 November 2014
Cash Transfers in Latin America and Africa: An OverviewUNDP Policy Centre
A presentation by Mr. Fábio Veras Soares, Coordinator of Social Protection and Cash Transfers at the UNDP-Brasilia based International Policy Centre for Inclusive Growth (IPC-IG) to the Delegation of Uganda participating in the Uganda-Brazil Study Tour on Social Development in Brasília on 26-30 March 2012.
Armando Barrientos, Brooks World Poverty Institute, the University of Manchester, UK
a.barrientos@manchester.ac.uk
Post-Graduate Conference 2014, School of Social and International Studies, University of Bradford, October 31st 2014
Eugenio Diaz Bonilla
SPECIAL EVENT
Funding Food System Transformation in Developing Countries: An example from Ethiopia
UNFSS Side Event -- Co-organized by IFPRI, The Alliance of Bioversity International and CIAT, CGIAR
SEP 24, 2021 - 08:00 AM TO 09:30 AM EDT
AACC and ACCT are launching a major advocacy campaign to protect Pell Grants for community college students. AACC and ACCT CEOs Walter Bumphus and J. Noah Brown hosted a webinar featuring the AACC and ACCT government relations staff on June 21.
Graduation from Poverty versus Graduating from Social Protection – setting t...UNDP Policy Centre
The IPC-IG was honoured to participate in the Transfer Project Workshop, held in Arusha, from 2 to 4 April 2019, where researchers and policymakers gathered to discuss evidence for social protection policies in sub-Saharan Africa. IPC-IG Senior Research Coordinator Fábio Veras delivered the presentation "Graduation from Poverty versus Graduating from Social Protection – Setting the Scene and Discussing the Evidence". The Transfer Project is a partnership between UNICEF, FAO, UNC Chapel Hill, national governments and local research partners.
On July 31, 2012, the AACC government relations team discussed recent developments in Washington that affect community colleges. Topics included funding for Pell Grants and other key programs, Workforce Investment Act reauthorization, the Obama administration's executive order on veteran students, the latest on gainful employment and other regulations, and more.
On Wednesday, September 8, 2010, the AACC government relations staff hosted a free webinar to recap recent legislative developments and look ahead at what remains on the agenda for September and beyond. Topics discussed included the upcoming RFP for the Community College and Career Training Program, gainful employment regulations, the American Opportunity Tax Credit, the White House community college summit, the education jobs fund, FY 2011 funding for key programs and the DREAM Act.
Natalia Winder Rossi's (FAO) presentation for IFPRI's policy seminar "Boosting Growth to End Hunger by 2025 in Africa: The Role of Social Protection" held on 2 May 2019 in Washington DC.
Some general information about the Strengthening Disabled People's User-Led Organisation Programme, particularly focusing on the role of the 12 Ambassadors, spread across the country.
The AACC government relations team's update on what is happening in Washington, with a particular emphasis on the federal funding landscape.
Topics included appropriations legislation for the remainder of FY 2011, the administration's FY 2012 budget and the latest news on other key legislation. These are crucial times for many important community college programs, so register to find out what you need to know to protect your institutions' and students' best interests.
On March 21, the AACC government relations team will provide an overview of issues Congress has been discussing in the first three months of 2012 and what is to come. The team will provide up-to-the-moment information on FY 2013 funding for Pell Grants and other key programs, the second round of TAACCCT program grants, workforce legislation, and more.
Introduction to the Sustainable Transformation PartnershipCANorfolk
Norfolk Sustainable Transformation Partnership (STP) overview, given by Community Action Norfolk (CAN) staff at the Voluntary Community and Social Enterprise Sector 2018 conference
Επαγγελματικό Λογισμικό στην ΤΕΕ: Επιμόρφωση και εφαρμογή Ε2 Παιδαγωγικά - Εκ...John Tzortzakis
Απόσπασμα από το έργο Ε2 –Παιδαγωγικά/ Τομέας Κατασκευών.Κεφάλαιο ΙΙ.6 Σχεδιασμός Εκπαιδευτικών Δραστηριοτήτων και Διδακτικού Υλικού.
Σκοπός του μαθήματος είναι να οριστεί το εκπαιδευτικό σενάριο και να γίνει περιγραφή του. Επιπρόσθετα να προσδιοριστεί η μορφή του σεναρίου και του συνοδευτικού υλικού, καθώς και οι αρχές που πρέπει να διέπουν την κατασκευή τους
Eugenio Diaz Bonilla
SPECIAL EVENT
Funding Food System Transformation in Developing Countries: An example from Ethiopia
UNFSS Side Event -- Co-organized by IFPRI, The Alliance of Bioversity International and CIAT, CGIAR
SEP 24, 2021 - 08:00 AM TO 09:30 AM EDT
AACC and ACCT are launching a major advocacy campaign to protect Pell Grants for community college students. AACC and ACCT CEOs Walter Bumphus and J. Noah Brown hosted a webinar featuring the AACC and ACCT government relations staff on June 21.
Graduation from Poverty versus Graduating from Social Protection – setting t...UNDP Policy Centre
The IPC-IG was honoured to participate in the Transfer Project Workshop, held in Arusha, from 2 to 4 April 2019, where researchers and policymakers gathered to discuss evidence for social protection policies in sub-Saharan Africa. IPC-IG Senior Research Coordinator Fábio Veras delivered the presentation "Graduation from Poverty versus Graduating from Social Protection – Setting the Scene and Discussing the Evidence". The Transfer Project is a partnership between UNICEF, FAO, UNC Chapel Hill, national governments and local research partners.
On July 31, 2012, the AACC government relations team discussed recent developments in Washington that affect community colleges. Topics included funding for Pell Grants and other key programs, Workforce Investment Act reauthorization, the Obama administration's executive order on veteran students, the latest on gainful employment and other regulations, and more.
On Wednesday, September 8, 2010, the AACC government relations staff hosted a free webinar to recap recent legislative developments and look ahead at what remains on the agenda for September and beyond. Topics discussed included the upcoming RFP for the Community College and Career Training Program, gainful employment regulations, the American Opportunity Tax Credit, the White House community college summit, the education jobs fund, FY 2011 funding for key programs and the DREAM Act.
Natalia Winder Rossi's (FAO) presentation for IFPRI's policy seminar "Boosting Growth to End Hunger by 2025 in Africa: The Role of Social Protection" held on 2 May 2019 in Washington DC.
Some general information about the Strengthening Disabled People's User-Led Organisation Programme, particularly focusing on the role of the 12 Ambassadors, spread across the country.
The AACC government relations team's update on what is happening in Washington, with a particular emphasis on the federal funding landscape.
Topics included appropriations legislation for the remainder of FY 2011, the administration's FY 2012 budget and the latest news on other key legislation. These are crucial times for many important community college programs, so register to find out what you need to know to protect your institutions' and students' best interests.
On March 21, the AACC government relations team will provide an overview of issues Congress has been discussing in the first three months of 2012 and what is to come. The team will provide up-to-the-moment information on FY 2013 funding for Pell Grants and other key programs, the second round of TAACCCT program grants, workforce legislation, and more.
Introduction to the Sustainable Transformation PartnershipCANorfolk
Norfolk Sustainable Transformation Partnership (STP) overview, given by Community Action Norfolk (CAN) staff at the Voluntary Community and Social Enterprise Sector 2018 conference
Επαγγελματικό Λογισμικό στην ΤΕΕ: Επιμόρφωση και εφαρμογή Ε2 Παιδαγωγικά - Εκ...John Tzortzakis
Απόσπασμα από το έργο Ε2 –Παιδαγωγικά/ Τομέας Κατασκευών.Κεφάλαιο ΙΙ.6 Σχεδιασμός Εκπαιδευτικών Δραστηριοτήτων και Διδακτικού Υλικού.
Σκοπός του μαθήματος είναι να οριστεί το εκπαιδευτικό σενάριο και να γίνει περιγραφή του. Επιπρόσθετα να προσδιοριστεί η μορφή του σεναρίου και του συνοδευτικού υλικού, καθώς και οι αρχές που πρέπει να διέπουν την κατασκευή τους
This slideshare, Maintaining a Vision: how mandates and strategies are changing with digital content, is one of the 12 that I like most and is a keynote given to the 2013 Screening the Future conference in London.
It is the penultimate of 12 presentations I have selected to mark 20 years in Digital Preservation. The final one to come will be published in December 2015.
My brief for this conference keynote was to focus on how institutional responses to collection and preservation mandates are realized and stretched by the digital...do existing institutions just 'go digital' but otherwise claim 'business as usual' [or not]?
The Talk had an AV focus given the nature of the conference but I think the messages will be of broad interest. It was in three parts:
The Changes: covering how digital content (including AV content) has changed the nature of typical collections across sectors; how it has shifted the scale of available content; and how content has fragmented and the number of content creators proliferated.
The Responses: covering how we have seen in response the growth of cross-sectoral preservation exchange (different sectoral membership of the DPC; Technology Watch Reports; the national coalitions worldwide such as nestor, NCDD, NDSA, etc); the development of shared services and outsourcing (e.g. digital preservation services in the cloud); and in some cases a range of cross-sector mergers (particularly of national archives and national libraries).
Conclusions:
What is changing? We are seeing multi-media permeating sectoral boundaries; greater shared interests and convergence of interests across different sectors; and a massive shift in the scale and management of digital media.
The responses? We are seeing new alliances and partnerships; digital preservation exchange across sectors; some mergers and partnerships across established boundaries; and more shared services and outsourcing.
Finally, if you want to know the answer to the question "When was the beginning of the Digital Age" posed in previous posts, the answer is here in slide 8
In the current job sphere, a career in NGO has started becoming more main stream. With strong governance structure, Akshaya Patra is one among the top 10 NGO in India for a prospective career option.
الأوراق المطلوبة لإستخراج سجل تجارى فردى
((بطاقة الرقم القومى (( وإذا لم يحضر صاحب الشأن ، يأتى وكيل بتوكيل من صاحب الشأن
بطاقة ضريبية فردى
سند الحيازة للمكان مقر النشاط مثل : عقد الإيجار ، عقد تمليك ،حق إنتفاع ، عقد إستغلال
إيصال لاحدى الخدمات والمرافق مثل :إيصال المياه ، إيصال الكهرباء، إيصال الغاز، إيصال تليفون
وفى حالة إستخراج السجل من مكتب السجل التجارى يجب إحضار شهادة مزاولة تجارة من الغرفة التجارية بالمحافظة
:ويمكن إستخراج السجل من الاماكن التالية
مكتب السجل التجاري التابع له جغرافيا
الغرفة التجارية بالمحافظة
مركز التميز لخدمات التجار (لتجار غرفة القاهرة ) : المبنى الادارى لمحافظة القاهرة، جراج الأوبرا، ميدان الاوبرا - القاهرة
:لمزيد من المعلومات ، ولمعرفة اخبار الغرفة التجارية للقاهرة
http://www.cairochamber.org.eg/
:ويمكنكم متابعتنا من خلال
facebook : https://www.facebook.com/CairoChamberOrg/
google+ : https://plus.google.com/u/0/+CairochamberOrgEg/posts
twitter : https://twitter.com/CairoChamberOrg
linkedin : https://www.linkedin.com/company/cairo-chamber-of-commerce---الغرفة-التجارية-للقاهرة
youtube : https://www.youtube.com/user/CairoChamberOrg
feedsfloor : https://www.feedsfloor.com/profile/cairo-chamber-commerce
To improve the living condition of population in Central African Republic (CAR) specially for vulnerable groups, as a partner, we have created a project called: The Development of Infrastructures for Community and Support for Vulnerable groups in Republic of Central African.
The International Conference on Migration in Africa (ICMA) hosted by the Scalabrini Institute for Human Mobility in Africa (SIHMA) and the Institute for Social Development at UWC, on 3 December 2014 brought together local, African and international scholars, academics, researchers, practitioners, professionals, policy makers and NGO representatives and funding bodies to discuss issues relating to human mobility in Africa. The topics included south-south migration, the nexus between migration and development, irregular migration and reintegration of returnee migrants.
it is only world bank contribution for chile
it is only for the one country and giving to the loans for the world banks and some of the institutions
thank you for seeing this presentation
The key argument of this presentation is unless there are following key components to ensure that local government functions and community voices are heard
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
The questions posed in this short presentation are ‘How can countries make better use of ODA’? And ‘can ODA also go for much needed sustainable projects?’ With the new set of 17 Sustainable Development Goals we (the world) will have to focus among other things on more on transparency and effectiveness. This artifact specifically made for the World bank Group Financing 4 Development MOOC is for all audiences and the information provided can be applied by many countries and could hopefully make a difference in outcomes.
National Slum Development Program (NSDP) Sumit Ranjan
National Slum Development Program (NSDP)
Housing, 8th sem, B. Arch.
amount, beneficiaries, constraints and recommendations, discription, drawbacks, facilities, financial, funding, government, housing, introduction, managerial, nature, objectives, slums, technical
This presentation summarises the main findings and lessons learned from the testing of TrackFin in Brazil. It was made during the TrackFin Intercountry Workshop in Rabat on 28-29th September 2014.
This presentation summarises the main findings and lessons learned from the testing of TrackFin in Ghana. It was made during the TrackFin Intercountry Workshop in Rabat on 28-29th September 2014.
Similar to Expanding access to social services using remittances (20)
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
USDA Loans in California: A Comprehensive Overview.pptx
Expanding access to social services using remittances
1. WB/MOOC – Financing for Development
Final Project:
Expanding access to social services through
more strategic mobilization and use of
remittances in Senegal
Khassoum Diallo
December 2015
2. Problem statement
Senegal is a developing country which
faces significant challenges to mobilize
resources to finance its development
and reduce poverty. At the same time,
financial flows from migrant
remittances continue to grow and have
been above USD 1 billion a year for the
last 8 years (WB, 2014), representing
over 10% of GDP and twice the ODA.
Unfortunately, the government has not
developed innovative strategies and
modalities to tap into this significant
source of private finances which is
primarily used for non-productive use
(including daily consumption), rent,
and payment of education and health
3. Purpose of this project
For the WB/MOOC/FFD course, the main
purpose of this final project is to explore and
propose an innovative mechanism to access and
use remittances for financing development in a
public private partnership model.
A classroom in a remote area in Senegal – See also (here)
6. Other major use of remittances
Migrants are organized in groups
based on community of origin
(region, village, districts etc.) and use
part of their remittances to build
schools and health posts/centers in
their communities when the
government in incapable of provide
basic education and health services
for many reasons, including lack of
funding or poor prioritization
criteria. In addition to building
schools and health posts, migrant
groups also hire or cost share the
payment of nurses and teachers for
running the services.
Use of motorbikes to
provide health services in
remote areas in Senegal
7. Obstacles: Selected social sector challenges in Senegal:
Source UNICEF SOWC 2012
• Out of school children
38% in 2014
• Birth registration for the
poorest: 20% in 2010
• Malnutrition - % of
stunted children 20%
• Water - % of rural
population with no access
to potable water – 48%
• 30% of children not
immunized by 1 year age
Ambulance in remote Senegal
8. My proposal: A PPP model
Because:
Senegalese migrant and diaspora groups are well established and organized
by village, districts and region of origin;
There within the Ministry of Foreign Affairs a division in charge of the
migrants;
Most migrants and their relevant groups and leaders in different countries
are known;
Proposal: The Government negotiates with migrant groups in order to use part
of the remittances and cost share the expansion of social services in their
communities of origin.
Estimation: Even with an average of 10 % of the remittances, the estimated
amount will be USD 160 million (2012 remittance figure is USD 1.6 billion)
which is 80 billion CFA (currency of Senegal). This is equivalent to 60% of the
annual budget of the ministry of Health for instance (135 billion CFA in 2014).
This would be a significant amount for the Government
9. Implementation and feasibility of my proposal
A number of steps and actions could be put in place
The Government put in place an online system to register all migrants and migrant
groups in major migration countries (France, Spain, Italy, Germany, Gabon, Cote
d’Ivoire, Gambia, Mauritania, Mali, DRC, USA, Canada capture some 80% of senegalese
diaspora) to put in place an online mechanism to update the registration of migrants
and migrant groups.
The Government ask its embassies and consulates in major migration countries to
update registration of migrants and their respective groups. This would come with
incentives such as: (i) free renewal of passports and other certificates (birth, death,
marriages) and; (ii) putting in place subsidies for repatriation of dead compatriots for
burial at home which is a significant share of migrant groups budgets
Explanation and sensitization of migrant leaders on the proposal
Needs assessment (identification of remote and non-served communities that are
under-served in terms of social services
Jointly with migrant groups that are willing to join the project, establishment of annual
or bi-annual plans for expansion of social services (health, education, water etc.) in
their communities
Elaboration of mechanisms for gathering migrants contribution
Agreement on control and evaluation mechanisms
10. Advantages and added value of the project
For the Government For migrant communities For migrants
- Access to significant
additional financial
resources
- Expansion of social
services in under-served
areas
- Good registration and
understanding of the
needs of migrants and
their communities
- Putting in place good
governance mechanisms
- Better use of limited
financial resources, in
particular, investment in
other communities that
don’t have migrant
groups - Equity
- Increased access to social
services within the
community
- Pride and strengthened
cohesion of families of
contributing migrants
- Better use of their
remittances for social
development, in addition
to consumption
- Awareness and
satisfaction to contribute
to the social
development of their
communities of origin
- Benefiting from
incentives put in place by
the Government (free
documentation,
subsidies)
11. Sources and references
Remittances in Senegal WB report
http://siteresources.worldbank.org/EXTDECPROSPECTS/Resources/476882-1157133580628/RMA_Ch8.pdf
WB - Data on remittances
http://econ.worldbank.org/WBSITE/EXTERNAL/EXTDEC/EXTDECPROSPECTS/0,,contentMDK:22759429~pagePK:64165401~piPK:64165026~theSitePK:47688
3,00.html
Les migrants sénégalais en Italie
http://www.memoireonline.com/05/11/4537/Les-migrants-senegalais-en-Italie.html
Government of Senegal - Budgets
http://www.gouv.sn
Remittances: Size and origin: A survey in Senegal
http://www.seneweb.com/news/Economie/envoi-des-migrants-trois-regions-du-senegal-ont-recu-400-milliards-fcfa-en-2011_n_104504.html
Ambulance offered by a City in Italy to support a village in Senegal thanks to
efforts of migrants from the village
https://www.aps.sn/actualites/societe/sante/article/la-commune-de-ndiob-receptionne-une-ambulance-medicalisee