Global trends show a growing consensus that national financial inclusion strategies are essential, with over 20 countries publishing strategies in recent years. Central banks often take a leadership role in developing strategies. Countries utilize peer learning to help formulate strategies, which generally involve data collection, stakeholder consultation, action planning, implementation, and monitoring. Lessons learned emphasize the importance of high-level leadership, reliable data, clear definitions and targets, coordination mechanisms, balancing supply-side and demand-side measures, and prioritizing key actions.
This document summarizes Pakistan's financial inclusion landscape and national financial literacy program. It provides key facts about Pakistan's population, economy, and current level of financial inclusion being around 15-20%. Pakistan's financial inclusion objectives include developing diverse financial products and expanding access points through digital tools and bulk payments. The State Bank of Pakistan has launched a nationwide financial literacy program to educate 50,000 adults on basic financial topics, with plans to scale up and include children. Low financial literacy is identified as a major constraint, with over 40% of the excluded population lacking product understanding and over half of adults using informal savings methods.
On MDGs, the Post-2015 Development Agenda, and the World Bank GroupSDGsPlus
The document discusses financing for development goals after 2015, including the transition from the Millennium Development Goals (MDGs) to the Sustainable Development Goals (SDGs). It outlines key components of financing, such as domestic resource mobilization, better and smarter aid, private sector financing, and a supportive framework. The World Bank Group is well-positioned to implement the SDGs through its global practices and "One Bank" approach, which align with the integrated nature of the goals. Youth engagement is important for delivering and financing the post-2015 development agenda.
International Experience: Financial Literacy Strategies and ProgrammesEconomicEducator.eu
This document discusses strategies and programs for developing financial literacy at a national level. It begins by defining financial literacy and explaining why a national strategy is important for coordination and focus. It then provides tips for developing a national strategy, including engaging partners, prioritizing initiatives, and building in monitoring and evaluation. Potential partners that could contribute to financial literacy work are discussed. Lessons from behavioral economics and effective social marketing programs are outlined. The document concludes by emphasizing the importance of evaluating financial literacy programs and conducting national surveys to measure impact over time.
Financial literacy has become a policy priority globally and is defined as having the awareness, knowledge, skills, attitudes and behaviors to make sound financial decisions and achieve financial well-being. Research shows that higher financial literacy is associated with positive outcomes. Evidence suggests that Cypriots have low levels of financial literacy, representing a challenge in Cyprus. Experts argue it is time for Cyprus to design and implement a national strategy to improve financial literacy.
Implementing a National Strategy for Financial EducationPanayiotis Andreou
The document discusses the need for a National Strategy for Financial Education in Cyprus. It notes that the pandemic has increased financial uncertainty and vulnerability at both the macro and personal levels. Evidence shows that financial education can help build financial resilience by empowering people to make informed financial decisions and reduce the negative externalities of financial illiteracy. Several grassroots financial education initiatives already exist in Cyprus, but a unified National Strategy is needed to coordinate these efforts and tackle financial illiteracy in a comprehensive way. The strategy should involve developing content, increasing capacity, utilizing community-led and media communication models, and collaborating with stakeholders, drawing from examples like the US and India's national strategies.
This document discusses the need for and recommendations around developing a national strategy for financial literacy in Cyprus. It defines financial education and literacy and highlights data showing widespread financial insecurity in Cyprus. Low financial literacy disproportionately impacts youth and is exacerbated by digitalization trends. An effective national strategy typically involves government leadership, coordination, funding, monitoring and targeting all age groups through education and behavioral insights. The document recommends Cyprus start this process by providing financial education in schools, protecting consumers, mandating a lead authority to develop a strategy, and collaborating across stakeholders.
This presentation by Adele Atkinson was made at the High-level Global Symposium on Financial Education: Promoting Long-term Savings and Investments in Korea which explored policies and good practices for supporting long-term savings and investments through financial education and financial consumer protection. Find out more at http://www.oecd.org/daf/fin/financial-education/globalsymposiumonfinancialeducationforlong-termsavingsandinvestments.htm
The State of the World Bank Knowledge ServicesSDGsPlus
The document discusses the evolving focus on knowledge at the World Bank over time. It notes that in the 1990s, the Bank began articulating its role as a "Knowledge Bank" and publishing reports on how development knowledge can improve living standards. Since then, the Bank has increasingly incorporated knowledge products into its work and launched open data initiatives. The Bank's vision is to be a better facilitator of development knowledge by connecting, customizing, and producing knowledge. It is working to strengthen knowledge management, use open knowledge approaches, and launch knowledge platforms on issues like urbanization and jobs.
This document summarizes Pakistan's financial inclusion landscape and national financial literacy program. It provides key facts about Pakistan's population, economy, and current level of financial inclusion being around 15-20%. Pakistan's financial inclusion objectives include developing diverse financial products and expanding access points through digital tools and bulk payments. The State Bank of Pakistan has launched a nationwide financial literacy program to educate 50,000 adults on basic financial topics, with plans to scale up and include children. Low financial literacy is identified as a major constraint, with over 40% of the excluded population lacking product understanding and over half of adults using informal savings methods.
On MDGs, the Post-2015 Development Agenda, and the World Bank GroupSDGsPlus
The document discusses financing for development goals after 2015, including the transition from the Millennium Development Goals (MDGs) to the Sustainable Development Goals (SDGs). It outlines key components of financing, such as domestic resource mobilization, better and smarter aid, private sector financing, and a supportive framework. The World Bank Group is well-positioned to implement the SDGs through its global practices and "One Bank" approach, which align with the integrated nature of the goals. Youth engagement is important for delivering and financing the post-2015 development agenda.
International Experience: Financial Literacy Strategies and ProgrammesEconomicEducator.eu
This document discusses strategies and programs for developing financial literacy at a national level. It begins by defining financial literacy and explaining why a national strategy is important for coordination and focus. It then provides tips for developing a national strategy, including engaging partners, prioritizing initiatives, and building in monitoring and evaluation. Potential partners that could contribute to financial literacy work are discussed. Lessons from behavioral economics and effective social marketing programs are outlined. The document concludes by emphasizing the importance of evaluating financial literacy programs and conducting national surveys to measure impact over time.
Financial literacy has become a policy priority globally and is defined as having the awareness, knowledge, skills, attitudes and behaviors to make sound financial decisions and achieve financial well-being. Research shows that higher financial literacy is associated with positive outcomes. Evidence suggests that Cypriots have low levels of financial literacy, representing a challenge in Cyprus. Experts argue it is time for Cyprus to design and implement a national strategy to improve financial literacy.
Implementing a National Strategy for Financial EducationPanayiotis Andreou
The document discusses the need for a National Strategy for Financial Education in Cyprus. It notes that the pandemic has increased financial uncertainty and vulnerability at both the macro and personal levels. Evidence shows that financial education can help build financial resilience by empowering people to make informed financial decisions and reduce the negative externalities of financial illiteracy. Several grassroots financial education initiatives already exist in Cyprus, but a unified National Strategy is needed to coordinate these efforts and tackle financial illiteracy in a comprehensive way. The strategy should involve developing content, increasing capacity, utilizing community-led and media communication models, and collaborating with stakeholders, drawing from examples like the US and India's national strategies.
This document discusses the need for and recommendations around developing a national strategy for financial literacy in Cyprus. It defines financial education and literacy and highlights data showing widespread financial insecurity in Cyprus. Low financial literacy disproportionately impacts youth and is exacerbated by digitalization trends. An effective national strategy typically involves government leadership, coordination, funding, monitoring and targeting all age groups through education and behavioral insights. The document recommends Cyprus start this process by providing financial education in schools, protecting consumers, mandating a lead authority to develop a strategy, and collaborating across stakeholders.
This presentation by Adele Atkinson was made at the High-level Global Symposium on Financial Education: Promoting Long-term Savings and Investments in Korea which explored policies and good practices for supporting long-term savings and investments through financial education and financial consumer protection. Find out more at http://www.oecd.org/daf/fin/financial-education/globalsymposiumonfinancialeducationforlong-termsavingsandinvestments.htm
The State of the World Bank Knowledge ServicesSDGsPlus
The document discusses the evolving focus on knowledge at the World Bank over time. It notes that in the 1990s, the Bank began articulating its role as a "Knowledge Bank" and publishing reports on how development knowledge can improve living standards. Since then, the Bank has increasingly incorporated knowledge products into its work and launched open data initiatives. The Bank's vision is to be a better facilitator of development knowledge by connecting, customizing, and producing knowledge. It is working to strengthen knowledge management, use open knowledge approaches, and launch knowledge platforms on issues like urbanization and jobs.
This document discusses the objectives of the upcoming Nairobi Summit on ICPD25 in November 2019 and Nigeria's preparations for it. The key points are:
1) The 1994 Cairo International Conference on Population and Development established a 20-year agenda focusing on individual needs and rights rather than demographic targets, but this agenda remains unfinished with issues like maternal mortality and unmet need for contraception.
2) The Nairobi Summit aims to rally stakeholders to protect gains made and advance the ICPD agenda to leave no one behind, with expected commitments to achieve zero preventable maternal deaths, zero unmet need for family planning, and zero gender-based violence.
3) Nigeria is holding stakeholder engage
This document discusses the challenges young people face in accessing financial services globally, particularly in developing countries. It notes that less than 5% of youth have savings accounts due to barriers like lack of youth-friendly regulations and products. The UN is working to promote youth financial inclusion through programs that provide financial literacy training and help open over 110,000 savings accounts. Moving forward, a multi-stakeholder approach is needed involving governments, organizations and youth themselves to develop inclusive policies and appropriate services to overcome barriers facing young people.
FINANCIAL LITERACY: SOME POLICY-RELEVANT LESSONS FROM RESEARCHPanayiotis Andreou
This document discusses key questions and findings from research on financial literacy and education. It examines how financial literacy varies over the life cycle, whether individuals can influence their financial knowledge, and if financial knowledge spreads socially. Regarding financial education, it explores whether programs are effective, long-lasting, and cost-efficient compared to alternatives like default options. While some studies find financial education programs improve financial outcomes, others argue the costs may outweigh benefits and alternatives could be more effective ways to help consumers make financial decisions. Overall, the document analyzes what research says about improving financial decision-making through literacy and education initiatives.
This presentation by Lyndwill Clarke was made at the High-level Global Symposium on Financial Education: Promoting Long-term Savings and Investments in Korea which explored policies and good practices for supporting long-term savings and investments through financial education and financial consumer protection. Find out more at http://www.oecd.org/daf/fin/financial-education/globalsymposiumonfinancialeducationforlong-termsavingsandinvestments.htm
Cash transfers are programs that transfer cash to poor households on the condition that they invest in their children's education and health. Many developing countries have implemented conditional and unconditional cash transfer programs to help reduce poverty and achieve the Millennium Development Goals. India has introduced a direct cash transfer program that faces challenges in ensuring all eligible households have bank accounts and access to make withdrawals given limited bank branch coverage in rural areas. Effective implementation will also require issuing Aadhaar numbers to all and developing an evaluation system to assess the program's impacts.
The document summarizes the key discussions and outcomes from regional consultations across Africa on priorities for a post-2015 development agenda. It identifies four broad development outcomes: 1) structural economic transformation and inclusive growth, with a focus on areas like sustainable growth, agriculture, and infrastructure, 2) innovation and technology transfer, 3) human development priorities in areas such as education, health, poverty reduction, and gender equality, and 4) financing and partnerships. It also discusses important development enablers needed like peace and security, governance, capacity building, and regional integration. The conclusion calls for a post-2015 agenda that is nationally-owned and addresses both development outcomes and enablers through economic and human development as well as innovation.
The document summarizes the evolution and current state of the World Bank's efforts to establish itself as a "Knowledge Bank". It traces the evolution from 1996 when the term "Knowledge Bank" was first used to the current strategies around open knowledge, measurement of impact, and increasing internal and external connectivity. The document outlines challenges around measurement, silos, and outdated technology. It proposes shifts to better balance knowledge and lending work and promote a culture more conducive to innovation. Annexes provide details on the Knowledge and Learning Council and Knowledge Advisory Commission established to strengthen governance.
Global impact investing has reached $22.1 billion in 2016, representing 29% annual growth. Approximately 45% of impact assets are in emerging economies due to large unmet demand. Impact investing in India reached $5.2 billion from 2010 to 2016, driven by population growth, economic growth, stable financial markets, and large social needs. Investments have diversified across sectors such as education, healthcare, and agriculture beyond the initial focus on clean energy. The Indian government also plays a key role in catalyzing impact investing through various policies and initiatives. The sector is expected to reach $6-8 billion annually by 2025 based on continued social needs and sector growth. Successful impact investments have shown returns ranging from -46% to
Child & Youth Finance in the Post-2015 Development Agenda Presented by Mr. Michael Sherraden at the United Nations 23 May 2014, during "A Chance for Change" co-hosted by Child & Youth Finance International and UNCDF.
This document discusses MFTransparency, an organization that promotes transparent pricing in the microfinance industry. It has a team of over 20 staff members and works with partners in nearly 30 countries. MFTransparency collects pricing data from over 300 microfinance institutions on over 1,000 loan products used by 41 million clients. It publishes this data on its website and provides technical assistance to help institutions improve practices and disclosure. The goal is to create a healthier industry through open information and education of all stakeholders.
Sustainable FP Financing and Agenda 2030 : Emerging Approaches and ToolsJoachim Chijide
Presentation made by Dr Joachim Chijide on Sustainable Family Planning Financing and Agenda 2030 : Emerging Approaches and Tools at the 2nd Sexual and Reproductive Health Community of Practice (SeRHCoP) Webinar, 23rd September 2021
The International Youth Foundation has created a global network of over 200 organizations in 75 countries committed to youth development. The network aims to promote learning and innovation, standards of excellence, advocacy for youth issues, and partnerships to increase resources for young people. One sub-network, Entra21, involves 32 partners across 18 countries in Latin America and the Caribbean working to improve employability and job opportunities for vulnerable youth through training programs, apprenticeships, and sharing best practices. The learning network has helped partners continuously improve programs, identify effective solutions, engage stakeholders, and scale their impact.
The document discusses youth engagement in agriculture in Southern Africa. It finds that the majority of youth live in rural areas and work in agriculture. Several regional efforts have been made to promote youth development, including the African Youth Charter. Case studies of youth and agriculture policies in six countries found that while some policies aim to support youth, few explicitly link youth to the agricultural sector. For policies to better engage youth in agriculture, efforts must be made to build youth capacity, actively involve youth in decision-making, and institutionalize youth engagement from primary school through university levels.
The document discusses renewable energy project (REP) financing in Nigeria. It outlines that REPs are currently considered high risk investments with a lack of expertise in financing. Policy frameworks are needed to provide stability for financiers and develop the capital markets. Specifically, the document recommends that Nigeria develop collaborative policies like South Africa's REIPPP that address energy challenges, provide long-term clarity and support for financiers, and incentivize investment in both large-scale and smaller REPs to promote overall economic development.
El documento describe el surgimiento y características de los punks. Surgieron a fines de los 70's en Nueva York y Gran Bretaña junto con la música punk extrema. Se caracterizan por usar maquillaje blanco y cadenas, peinar el cabello de forma puntiaguda, y usar pupilentes blancos. Su ideología es el "hazlo tu mismo" y rechazar manipulaciones. Algunos son violentos pero la mayoría solo les gusta la estética punk y su música. Veneran bandas punk y critican el cristianismo. Los g
Este documento resume las principales ideas de Noam Chomsky sobre la gramática generativa. Chomsky propuso que los humanos tienen una gramática interna innata que les permite generar y comprender un número infinito de oraciones. Esta gramática interna consta de reglas sintácticas, semánticas y fonológicas. Las oraciones tienen una estructura profunda y una estructura superficial, y las transformaciones conectan ambas estructuras. La gramática generativa de Chomsky revolucionó el estudio de la lingüística.
This short document discusses the beauty of the color white and wishes the reader a nice day. It concludes by saying "take care" and marking "the end".
El documento habla sobre el Día Mundial del Medio Ambiente y la importancia de cuidar el ambiente que nos rodea a todos. Se anima a los lectores a escribir mensajes o cuentos ecológicos para crear conciencia sobre la necesidad de proteger nuestro medio ambiente.
This document discusses the objectives of the upcoming Nairobi Summit on ICPD25 in November 2019 and Nigeria's preparations for it. The key points are:
1) The 1994 Cairo International Conference on Population and Development established a 20-year agenda focusing on individual needs and rights rather than demographic targets, but this agenda remains unfinished with issues like maternal mortality and unmet need for contraception.
2) The Nairobi Summit aims to rally stakeholders to protect gains made and advance the ICPD agenda to leave no one behind, with expected commitments to achieve zero preventable maternal deaths, zero unmet need for family planning, and zero gender-based violence.
3) Nigeria is holding stakeholder engage
This document discusses the challenges young people face in accessing financial services globally, particularly in developing countries. It notes that less than 5% of youth have savings accounts due to barriers like lack of youth-friendly regulations and products. The UN is working to promote youth financial inclusion through programs that provide financial literacy training and help open over 110,000 savings accounts. Moving forward, a multi-stakeholder approach is needed involving governments, organizations and youth themselves to develop inclusive policies and appropriate services to overcome barriers facing young people.
FINANCIAL LITERACY: SOME POLICY-RELEVANT LESSONS FROM RESEARCHPanayiotis Andreou
This document discusses key questions and findings from research on financial literacy and education. It examines how financial literacy varies over the life cycle, whether individuals can influence their financial knowledge, and if financial knowledge spreads socially. Regarding financial education, it explores whether programs are effective, long-lasting, and cost-efficient compared to alternatives like default options. While some studies find financial education programs improve financial outcomes, others argue the costs may outweigh benefits and alternatives could be more effective ways to help consumers make financial decisions. Overall, the document analyzes what research says about improving financial decision-making through literacy and education initiatives.
This presentation by Lyndwill Clarke was made at the High-level Global Symposium on Financial Education: Promoting Long-term Savings and Investments in Korea which explored policies and good practices for supporting long-term savings and investments through financial education and financial consumer protection. Find out more at http://www.oecd.org/daf/fin/financial-education/globalsymposiumonfinancialeducationforlong-termsavingsandinvestments.htm
Cash transfers are programs that transfer cash to poor households on the condition that they invest in their children's education and health. Many developing countries have implemented conditional and unconditional cash transfer programs to help reduce poverty and achieve the Millennium Development Goals. India has introduced a direct cash transfer program that faces challenges in ensuring all eligible households have bank accounts and access to make withdrawals given limited bank branch coverage in rural areas. Effective implementation will also require issuing Aadhaar numbers to all and developing an evaluation system to assess the program's impacts.
The document summarizes the key discussions and outcomes from regional consultations across Africa on priorities for a post-2015 development agenda. It identifies four broad development outcomes: 1) structural economic transformation and inclusive growth, with a focus on areas like sustainable growth, agriculture, and infrastructure, 2) innovation and technology transfer, 3) human development priorities in areas such as education, health, poverty reduction, and gender equality, and 4) financing and partnerships. It also discusses important development enablers needed like peace and security, governance, capacity building, and regional integration. The conclusion calls for a post-2015 agenda that is nationally-owned and addresses both development outcomes and enablers through economic and human development as well as innovation.
The document summarizes the evolution and current state of the World Bank's efforts to establish itself as a "Knowledge Bank". It traces the evolution from 1996 when the term "Knowledge Bank" was first used to the current strategies around open knowledge, measurement of impact, and increasing internal and external connectivity. The document outlines challenges around measurement, silos, and outdated technology. It proposes shifts to better balance knowledge and lending work and promote a culture more conducive to innovation. Annexes provide details on the Knowledge and Learning Council and Knowledge Advisory Commission established to strengthen governance.
Global impact investing has reached $22.1 billion in 2016, representing 29% annual growth. Approximately 45% of impact assets are in emerging economies due to large unmet demand. Impact investing in India reached $5.2 billion from 2010 to 2016, driven by population growth, economic growth, stable financial markets, and large social needs. Investments have diversified across sectors such as education, healthcare, and agriculture beyond the initial focus on clean energy. The Indian government also plays a key role in catalyzing impact investing through various policies and initiatives. The sector is expected to reach $6-8 billion annually by 2025 based on continued social needs and sector growth. Successful impact investments have shown returns ranging from -46% to
Child & Youth Finance in the Post-2015 Development Agenda Presented by Mr. Michael Sherraden at the United Nations 23 May 2014, during "A Chance for Change" co-hosted by Child & Youth Finance International and UNCDF.
This document discusses MFTransparency, an organization that promotes transparent pricing in the microfinance industry. It has a team of over 20 staff members and works with partners in nearly 30 countries. MFTransparency collects pricing data from over 300 microfinance institutions on over 1,000 loan products used by 41 million clients. It publishes this data on its website and provides technical assistance to help institutions improve practices and disclosure. The goal is to create a healthier industry through open information and education of all stakeholders.
Sustainable FP Financing and Agenda 2030 : Emerging Approaches and ToolsJoachim Chijide
Presentation made by Dr Joachim Chijide on Sustainable Family Planning Financing and Agenda 2030 : Emerging Approaches and Tools at the 2nd Sexual and Reproductive Health Community of Practice (SeRHCoP) Webinar, 23rd September 2021
The International Youth Foundation has created a global network of over 200 organizations in 75 countries committed to youth development. The network aims to promote learning and innovation, standards of excellence, advocacy for youth issues, and partnerships to increase resources for young people. One sub-network, Entra21, involves 32 partners across 18 countries in Latin America and the Caribbean working to improve employability and job opportunities for vulnerable youth through training programs, apprenticeships, and sharing best practices. The learning network has helped partners continuously improve programs, identify effective solutions, engage stakeholders, and scale their impact.
The document discusses youth engagement in agriculture in Southern Africa. It finds that the majority of youth live in rural areas and work in agriculture. Several regional efforts have been made to promote youth development, including the African Youth Charter. Case studies of youth and agriculture policies in six countries found that while some policies aim to support youth, few explicitly link youth to the agricultural sector. For policies to better engage youth in agriculture, efforts must be made to build youth capacity, actively involve youth in decision-making, and institutionalize youth engagement from primary school through university levels.
The document discusses renewable energy project (REP) financing in Nigeria. It outlines that REPs are currently considered high risk investments with a lack of expertise in financing. Policy frameworks are needed to provide stability for financiers and develop the capital markets. Specifically, the document recommends that Nigeria develop collaborative policies like South Africa's REIPPP that address energy challenges, provide long-term clarity and support for financiers, and incentivize investment in both large-scale and smaller REPs to promote overall economic development.
El documento describe el surgimiento y características de los punks. Surgieron a fines de los 70's en Nueva York y Gran Bretaña junto con la música punk extrema. Se caracterizan por usar maquillaje blanco y cadenas, peinar el cabello de forma puntiaguda, y usar pupilentes blancos. Su ideología es el "hazlo tu mismo" y rechazar manipulaciones. Algunos son violentos pero la mayoría solo les gusta la estética punk y su música. Veneran bandas punk y critican el cristianismo. Los g
Este documento resume las principales ideas de Noam Chomsky sobre la gramática generativa. Chomsky propuso que los humanos tienen una gramática interna innata que les permite generar y comprender un número infinito de oraciones. Esta gramática interna consta de reglas sintácticas, semánticas y fonológicas. Las oraciones tienen una estructura profunda y una estructura superficial, y las transformaciones conectan ambas estructuras. La gramática generativa de Chomsky revolucionó el estudio de la lingüística.
This short document discusses the beauty of the color white and wishes the reader a nice day. It concludes by saying "take care" and marking "the end".
El documento habla sobre el Día Mundial del Medio Ambiente y la importancia de cuidar el ambiente que nos rodea a todos. Se anima a los lectores a escribir mensajes o cuentos ecológicos para crear conciencia sobre la necesidad de proteger nuestro medio ambiente.
Samantha Marley had a $2,000 budget for Christmas gifts. She spent $1,200 buying gifts for her mom, dad, siblings, cousins, aunt, and uncles. Common gifts included scrapbooking, hunting gear, jewelry, and sports items. Samantha had $800 left over after completing her shopping.
La ballena azul se encuentra en peligro de extinción, con solo unos 1,000 ejemplares restantes debido a la caza excesiva para obtener aceite, huesos y carne. La organización WSPA trabaja para detener la caza comercial y científica de ballenas mediante la diplomacia, el apoyo público y la producción de informes científicos, y solicita apoyo para convencer a más países de oponerse a esta práctica cruel.
NIC LA Symposium Play Book Marc 2 18 2011[1]thompm60
Coach Thompson provided a forecast of the field conditions for seniors housing players for 2011-2012. He noted that occupancy and rent growth have changed, new supply will be less of a hurdle after the first quarter of 2011, and construction trends and metro level declines have been widespread. Coach Thompson outlined strategies for players, including generating the highest yields, growing through acquisitions or developing new communities, and attracting third-party management contracts. He discussed offensive strategies like construction/lease-up, acquisitions, and repositioning assets, as well as defensive strategies like limiting liability and preventing disruptions to business.
Este documento describe un proyecto de expresión artística a través de trabajalengas, imágenes, formas y colores para niños. El proyecto incluye cuatro líneas estratégicas: trabajalengas para mejorar la expresión oral; uso de la imagen para desarrollar habilidades expresivas y comunicativas; modelado para trabajar con formas y materiales; y visitas al barrio para interactuar con el entorno. El objetivo general es explorar formas expresivas en los niños utilizando la palabra, forma, imagen y color.
This recipe is for traditional Welsh cakes, a sweet biscuit-like pastry popular in Wales, United Kingdom. The recipe calls for butter, self-rising flour, salt, sugar, currants or chocolate, mixed spice, honey, egg and milk. To make them, the dry ingredients are cut into the butter until crumbly, then mixed with wet ingredients to form dough. The dough is rolled out and cut into rounds, which are griddled on both sides until cooked through. Welsh cakes are usually dusted with sugar and eaten fresh but can also be stored in an airtight tin. Variations can include different fruits or spices.
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.
Presentation med fri spridningsrätt i syfte att starta konversationer om pedagogik, lärande, ledarskap och skolutveckling. Sprid till kollegor och vänner.
El documento habla sobre el medio ambiente en Barranquilla. Explica que el medio ambiente se refiere al entorno natural, social y cultural que afecta la vida humana. Luego describe los constituyentes del medio ambiente como la atmósfera, agua, suelo y organismos vivos. Finalmente, señala que el centro histórico de Barranquilla sufre problemas ambientales como contaminación y degradación de los caños, los cuales el gobierno está tratando de resolver.
This document provides information about a Resident Hall Association meeting that will take place on Tuesdays at 9:00PM. It lists an email address for the RHA at rha@pace.edu and provides the Facebook page and room number for more information.
The document provides guidance on using the prepositions "in", "at", and "on" in different contexts. It indicates that "in" is used for spaces and bodies of water, "at" is used for specific places and locations on a page or among groups, and "on" is used for surfaces and directions. It also notes that "in" is used for corners of rooms while "at" or "on" is used for corners of streets.
Lucian Ashe is presenting his new album "Thought Criminal" which includes 10 new tracks. He will promote the album through radio interviews, podcasts, and hosting experimental music nights. The album will be available physically and digitally through various online retailers and platforms priced at $9.99 digitally. It will be distributed through online distributors like Ioda, The Bizmo, and SongCast. Lucian Ashe plans to pursue partnerships with rock star games and Dr Pepper to promote his music and artwork.
El documento trata sobre la perspectiva en dibujo. Brevemente describe que la perspectiva es la representación de objetos en tres dimensiones sobre una superficie plana de forma que se mantiene la impresión de profundidad. El departamento de dibujo de una universidad parece ser el remitente.
This document discusses the Vikings and their beliefs. It addresses three main topics:
1) Christianity and how the Vikings started believing in Jesus.
2) Odin, the Viking god of war, and how they believed Odin helped them in battle.
3) Runes, the written symbols that were important for the Vikings to write and were thought to have magical meanings.
La ley establece el Aseguramiento Universal en Salud en Perú, que requiere que todas las personas estén afiliadas a un seguro de salud público o privado. Define el Plan Esencial de Aseguramiento en Salud (PEAS) que incluye las condiciones y prestaciones mínimas que todos los seguros deben cubrir. Asigna roles a las Instituciones Administradoras de Fondos de Aseguramiento en Salud y a las Instituciones Prestadoras de Servicios de Salud.
Presentation will cover: Introduction to AFI and AFI Network’s experience of Financial Inclusion Strategies; What are the global trends in Financial Inclusion Strategy Formulation & Implementation?; What lessons and conclusions can we draw from the current practices?
Science, Technology and Innovation Roadmaps for the SDGsSDGsPlus
The document discusses how Science, Technology and Innovation (STI) Roadmaps can help countries harness technology to achieve the UN Sustainable Development Goals (SDGs). STI Roadmaps serve as a foundational building block to integrate STI into national development plans and budgets. They can provide an action plan for implementing the STI agenda at national and local levels. The World Bank Group is embarking on a partnership-driven journey to leverage STI across sectors and countries to achieve the SDGs.
This document discusses strategies for financially empowering vulnerable groups through financial education, consumer protection, and inclusion. It outlines challenges faced by vulnerable groups like low incomes, education, women, youth and the elderly. The OECD/INFE has developed guidance and tools to address these needs through an integrated approach. National strategies should identify target groups, understand their barriers, and implement practices like tailored products, consumer information, complaints systems, and contextual financial education programs using various channels to improve outcomes for vulnerable populations.
This document discusses advancing financial inclusion through financial education in Pakistan. It outlines that financial literacy encompasses knowledge, skills, and attitudes to understand personal finance. While access to financial services has increased in Pakistan, lack of financial literacy remains a barrier to effective use. The State Bank of Pakistan is taking a three-pronged approach - regulatory provisions for financial institutions, supply-side industry initiatives, and demand-side capacity building - to improve financial literacy in the country through programs like the National Financial Literacy Program. The goal is to educate the public about financial concepts and empower them to make informed financial decisions.
This summary provides an overview of 3 implementation research studies on integrated community case management (iCCM) conducted by the University Research Co., LLC.
The first study analyzed iCCM policies in 6 countries to understand how policy context, actors, and processes influence iCCM implementation. It found that policies often did not explicitly mention iCCM and were developed with technical staff but lacked engagement from key stakeholders. External funding was critical for policy development. The second study developed an iCCM costing and financing tool to help countries estimate costs and plan long-term financing. It was tested in Malawi and Senegal. The third study examined an iCCM monitoring improvement project in an unnamed country. Overall, the studies provide insights into real-
The Global HIV/AIDS Monitoring and Evaluation Team (GAMET) was formed in 2002 to help countries strengthen their capacity to monitor and evaluate HIV/AIDS programs and policies. GAMET provides support to countries through country support teams made up of 17 international M&E specialists. This support includes assisting with developing M&E plans, indicators, and strategies. GAMET has worked with 25 countries total, providing over 96 field visits to help develop success indicators in 31 African countries. The support aims to build country M&E capacity and utilize M&E to improve program effectiveness and impact.
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Similar to Fi strategies-global-trends-and-lessons-from-afi-by-klaus-prochaska (20)
On the Sustainable Development Goals and the Role of Islamic Finance
Fi strategies-global-trends-and-lessons-from-afi-by-klaus-prochaska
1. Financial Inclusion Strategies: Global Trends and Lessons Learnt from the AFI Network
Istanbul, Turkey June 3, 2014
1
Klaus Prochaska Senior Policy Analyst & Knowledge Manager Alliance for Financial Inclusion(AFI)
2. AFI 2008-2013
•118 Institutions, 94 countries (more than 85% of the world’s unbanked)
•Unique Peer Learning Network (working groups, GPF, regional initiatives)
•7 policy areas
•More than 53 tangible policy changes
•63 demand driven policy grants
•Shaping global discussions (G20, G24, SSBs)
•Platform for public private dialogues
•Maya Declaration, 47 concrete commitments and progress tracking with more to come
Concept design
Building the Network
Activating the Network
Enhancing Network Value
Policy-Driving Network
2008
2009
2010
2011
2012
Bringing smart policies to life
2013
3. 3
National coordination and leadership
Effective public-private partnership for Financial Inclusion Strategies
Sequencing issues of financial inclusion, financial education, financial literacy and financial consumer protection strategies
Data for financial inclusion strategies including diagnostic exercises and target setting
Identification of key challenges and barriers to strategy development and implementation
To develop a platform for members of AFI to promote the development and implementation of national financial inclusion strategies.
To support countries that have made commitments under the Maya Declaration and to the G20 Peer Learning Program to develop national financial inclusion strategies.
achieved through peer learning on key topics
PURPOSE OF THE FISPLG
Priority Topics
FIS PEEER LEARNING GROUP
Launched in Abuja, Nigeria, October 2012
4. 4
Co-Chairs
•Mr. Noor Ahmed, State Bank of Pakistan
•Mr. Cheikh Amadou Bamba Fall, Ministry of Finance & Economy, Senegal
•Mrs. Eden Dema, Deputy Governor, Royal Monetary Authority of Bhutan
Mongolia Nigeria Palestine Papua New Guinea Peru Philippines Rwanda Samoa Banque Centrale des Etats de l'Afrique de l'Ouest Sierra Leone Swaziland Tanzania Togo Turkey* Uganda* Yemen
Pakistan (Co-Chair) Senegal (Co-Chair) Bhutan (Co-Chair) Bangladesh Belarus Burundi China Chile Ecuador El Salvador Fiji Indonesia Haiti* Macedonia Madagascar Malaysia* Mexico * = Sub-Group Chair
FIS Peer Learning Group Membership
39 member institutions from 32 countries
6/11/2014 | AFI | FINANCIAL INCLUSION STRATEGY PEER LEARNING GROUP
5. There is a growing consensus amongst financial policymakers globally that Financial Inclusion strategies are needed
•Poll at AFI Global Policy Forum (GPF) in 2011 highlighted that 96% of policymakers considered a national strategy essential but only 25% actually had one in place
•According to survey of AFI members, 20 countries in the Network have now published Financial Inclusion strategies (8 in Asia- Pacific, 9 in Africa, 3 in Latin America. At least 18 more countries are at various stages of the formulation process.
• Key drivers have been the Maya Declaration (2011) and the G20, especially under Mexico’s 2012 Presidency.
•Other factors underlying growing focus on strategies include: recognition of complexity of financial inclusion requiring a common vision & framework; improved quality of data available to policymakers; and peer pressure!
Global Trend #1
5
Bringing smart policies to life
6. The Driver for National Strategies is National Commitments
21 countries have made National Strategy commitments under the Maya Declaration
Seven from Africa: Burundi, Congo, Mozambique, Namibia, Nigeria, Uganda, and Rwanda
Eight from Asian-Pacific: Indonesia, Pakistan, Papua New Guinea, Philippines, Fiji, Solomon Islands, Samoa, and Vanuatu
Six from Latin America: Brazil, Colombia, Chile, Mexico, and Paraguay, and Trinidad and Tobago
Global Trend #2
6
Bringing smart policies to life
6
7. Maya Declaration
Country commitments
(Maya Declaration on Financial Inclusion)
Key components of Maya Declaration
Financial Inclusion strategy / action plan
Supporting
G20 Principles
Evidence-based data
Consumer protection and empowerment
Proportionate
regulatory framework
Enabling environment/ Technology
Partners
World Bank Group: Financing / TA, Data, etc.
DFIs: Investment, TA
Knowledge providers:
CGAP, Research institutions
Private sector Donors GPFI Others
Concrete and measurable individual commitments
based on national circumstances
• Knowledge
• Leadership
• Cooperation
• Diversity
• Innovation
• Proportionality
• Framework
• Protection
• Empowerment
AFI : Peer learning, Working groups Progress review, Support services
The first global and measurable set of commitments on financial inclusion by developing and emerging countries
8. There is a growing and striking convergence over the last two years towards standalone financial inclusion strategies
There have been traditionally two dominant approaches in practice:
1. Use of broader financial sector strategy to address financial inclusion (Sierra Leone; Namibia; Mozambique; Nepal)
2. Use of stand-alone FIS (Fiji; Indonesia; Thailand; Tanzania; Burundi; Nigeria; Malawi)
Now a clear trend in favor of stand-alone modality
The trend reflects the influence of Maya Declaration
Countries already having National Microfinance Strategies are working to broaden them (Pakistan, Philippines)
Global Trend #3
8
Bringing smart policies to life
8
9. Financial Inclusion Strategy Stages
Bringing smart policies to life
….
(a)Data Collection and Diagnostic Activities:
•Collection of supply-side data
•Collection of demand-side data
•Data Analysis
(b) Strategy Formulation
•Agreement of definition and vision for financial inclusion
•Consultation with public & private sector stakeholders
•Development of action plan and targets
(c) Strategy Implementation
•Policy Reforms
•Private Sector Response
•Establishment of architecture for implementation (e.g. National Council or Taskforce)
(d) Monitoring & Evaluation
•Tracking progress against core indicators
•Identifying if strategy is on track and any responses needed
Effective strategy formulation & implementation involves a continuous feedback cycle
10. In most regions of the world, central banks are taking a leadership role in financial inclusion strategies
“Central Banks are well positioned to take leadership and coordination role to help maximize efforts, overcome barriers, and steer activities towards shared goals” – AFI Pacific Islands Working Group
•In the majority of cases the Central Bank has taken the leadership role in the Financial Inclusion Strategy – 85% of cases in Asia-Pacific, 70% of cases in Africa and 33% in Latin America
•In other cases Ministries of Finance have taken the lead (Malawi, Rwanda and Swaziland in Africa, Indonesia and Thailand in Asia)
•Which institution may be less important than the characteristics – strong convening power, credibility amongst public and private sector stakeholders, and sufficient resources (esp. human resources)
Global Trend #4
10
Bringing smart policies to life
10
11. The policy content with financial inclusion strategies differs but all are embracing technology and innovation
•“Developments in technology have transformed financial services delivery from the traditional physical infrastructure to a system supplemented by other innovative channels” – Bank of Uganda, Status of Financial Inclusion in Uganda (March 2014)
Global Trend #5
Bringing smart policies to life
12. Countries are utilizing peer learning and knowledge exchange in order to build their national strategies
•Different countries are at different stages in the continuum of strategy development and implementation. Hence, opportunities for “knowledge intermediation”
•There is tremendous diversity in country approaches. This is fertile ground for peer learning.
•“Peer Learning culture” is now well-developed and established through AFI’s exchange visit programs.
•The demand for peer learning on national financial inclusion strategies is strong and growing.
Global Trend #6
12
Bringing smart policies to life
12
13. Many countries are now including a focus on access to finance for SMEs within their financial inclusion strategies
•Around 200 million formal and informal, micro, small and medium enterprises (MSMEs) in developing economies lack access to credit.
•Estimated 55-68% of formal SMEs lack adequate financing.
•Additional challenges are inefficient payment options, lack of risk management products and shortage of growth capital.
•Women-owned SMEs have consistently lower access to finance worldwide. Source: Financial Inclusion Targets & Goals: Landscape & GPFI View (G20 GPFI)
Global Trend #7
13
Bringing smart policies to life
13
14. Lesson Learnt #1: The highest level leadership and political commitment is needed to successfully formulate and implement a Financial Inclusion Strategy
Lessons Learnt from FISPLG experience
Bringing smart policies to life
Example: Mexico’s National Council “Strong leadership is always the foundation behind the development of a national vision and strategy for financial inclusion and this leadership empowers policymakers to be innovative and to take reasonable risks to create a more inclusive financial sector” – AFI, 2010
15. Lesson Learnt #2: Trusted, nationally collected data and clearly defined indicators are needed
Lessons Learnt from FISPLG experience
15
Bringing smart policies to life
15
“Without good data it is impossible to define indicators to build a proper financial inclusion agenda for the country” – Elvira Cruvinel, Head of Financial Inclusion Team, Central Bank of Brazil
•AFI Data Working Group has defined core indicators for Access and Usage
•Second-Tier indicators covering Quality (Literacy and Consumer Protection), Mobile Financial Services, SME Finance
•Working Group constructing a Catalogue of all indicators being collected by AFI members
16. Lesson Learnt #3: The definition of and vision for financial inclusion , as well as any targets included in the financial inclusion strategy need clarity and a wide acceptance
Lessons Learnt from FISPLG experience
16
Bringing smart policies to life
16
Bank of Tanzania Definition of Financial Inclusion:
•“Financial Inclusion for Tanzania entails the “regular use of financial services, through payment infrastructures to manage cash flows and mitigate shocks, which are delivered by formal providers through a range of appropriate services with dignity and fairness” Government of Indonesia Vision for Financial Inclusion:
•“To achieve a financial system that is accessible by all layers of the community to promote economic growth, poverty reduction and income inequality in Indonesia” National Target, Central Bank of Nigeria
•To increase the no. of Nigerians in the formal financial sector from 30% in 2010 to 70% in 2020.
17. Lesson Learnt #4: National Coordination is a critical challenge that needs to be overcome
Lessons Learnt from FISPLG experience
17
Bringing smart policies to life
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•Countries are establishing multi-agency Financial Inclusion Taskforces, National Councils and Steering Committees in order to oversee their financial inclusion strategies.
•Tanzania’s coordination structure is three tiers with a National Council, a National Steering Committee, and a National Technical Committee.
•Other models have explicitly included private sector – e.g. the united Kingdom Financial Inclusion Taskforce.
•Private sector needs to be part of the dialogue and action plan.
18. Lesson Learnt #5: Supply-Side and Demand-Side measures need to be pursued in parallel
Lessons Learnt from FISPLG experience
Bringing smart policies to life
18
•Expanding access through new technologies raises new risks in terms of consumer protection and financial education that need to be addressed
•Financial education and consumer protection are essential components of FIS in many countries.
•There is now a tendency to formulate stand-alone national strategies for financial education and literacy in an increasing number of countries (Malawi, Rwanda, Zambia under Maya Declaration).
•Some countries had stand-alone national strategies for financial education before financial inclusion strategies (Brazil, India, Ghana)
19. Lesson Learnt #6: Policymakers need to pursue a proportionate application of global standards
Lessons Learnt from FISPLG experience
19
Bringing smart policies to life
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•“While global standards are sufficient to allow proportionate application, they not originally established with financial inclusion as a consideration; which can lead countries to adopt conservative approaches that limit innovation” - Governor Amando Tetangco Jr, Central Bank of the Philippines
20. Lesson Learnt #7:
Prioritize, Prioritize, Prioritize
Lessons Learnt from FISPLG experience
20
Bringing smart policies to life
20
•Risk that desire for comprehensive strategies can lead to over- optimization or failure to adequately prioritize
•Critical for policymakers to distinguish critical actions and take difficult decisions on where to allocation resources
•The best examples of national financial inclusion strategies are clear, accessible for all stakeholders and focused