Final project Malawi
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Malawi is a landlocked country in southeast Africa, bordered by Zambia, Tanzania, and Mozambique. Its capital and largest city is Lilongwe. Malawi faces challenges of poverty, disease, and lack of economic opportunity. To address these issues, investments in education could help raise literacy and understanding of health issues. Improving public financial management through auditing, transparency, and international accounting standards could also strengthen governance and encourage private sector investment for sustainable development.
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This document discusses leveraging remittances for post-conflict development in Somalia. It notes that security has increased and piracy/insurgency has declined, while the diaspora is returning with human and financial capital. However, Somalia still faces challenges like lack of access to credit, high electricity costs, weak institutions, and an unskilled workforce. Remittances make up 45% of Somalia's GDP and the estimated 1 million person Somali diaspora remits $1.3 billion annually. Most remittances support essential household expenses, though some funds small businesses and development projects. The organization Shuraako supports SME growth by facilitating over $2 million in diaspora investments in Somalia across sectors like
Lee sorensen shuraako
This document discusses leveraging remittances for post-conflict development in Somalia. It notes that security has increased and piracy/insurgency has declined, while diaspora returnees bring human and financial capital. However, Somalia faces challenges like lack of access to credit, high electricity costs, weak institutions, and an unskilled workforce. Remittances account for 45% of Somalia's GDP and diaspora investments provide start-up capital for many small businesses. The document outlines Shuraako's efforts to support small and medium enterprises through investment matching, facilitating over $2 million in investments and creating 768 jobs.
Country Risk analysis of South Africa
This report gives a detailed country risk analysis on the country SOuth Africa for starting a business.
Asian Development Bank - Vinay Patidar
The Asian Development Bank (ADB) was founded in 1966 and is headquartered in Manila, Philippines. The ADB's mission is to promote economic growth, reduce poverty, and improve living standards in Asia and the Pacific region. It provides loans, technical assistance, and grants to its developing member countries for purposes such as improving infrastructure, health, education, and governance. The ADB gets its funding from contributions from member countries as well as bond issues and has 67 total member countries.
MDG Rport 2014
This document summarizes the key points from the Millennium Development Goals Report 2014. It discusses that substantial progress has been made towards achieving many of the MDGs, including halving extreme poverty, improving access to water, and increasing primary education enrollment for both boys and girls. However, it also notes that continued intensive efforts are still needed to achieve all targets, such as reducing hunger, improving sanitation, and lowering maternal and child mortality. The report highlights both the successes in meeting some goals ahead of schedule, as well as the areas that require accelerated progress to fully achieve the MDG agenda by 2015.
The Millennium Development Goals Report 2014
This document summarizes the key points from the Millennium Development Goals Report 2014. It discusses that substantial progress has been made towards achieving many of the MDGs, including halving extreme poverty, improving access to water, and increasing primary education enrollment for both boys and girls. However, it also notes that continued intensive efforts are still needed to achieve all targets, such as reducing hunger, improving sanitation, and lowering maternal and child mortality. The report highlights both the successes in meeting some MDG targets ahead of schedule, as well as the areas that require more work in the remaining time to fulfill the full MDG agenda.
Financial Inclusion Briefing paper 07072016
Financial inclusion in Africa is low compared to other regions, with only 34% of adults having a bank account. There are significant disparities within countries as well, with women, youth, and the poor being most financially excluded. Expanding access to financial services, products tailored to marginalized groups, and leveraging remittances from the African diaspora could help drive development and economic growth across the continent.
Africas natural resources could dramatically improve the lives of millions
The document summarizes the 2013 Africa Progress Report which finds that while Africa has experienced economic growth fueled by natural resources, most Africans have not benefited and inequality is increasing. It calls on African governments to invest natural resource revenues in social services to create jobs and opportunities. It also calls on international partners to address tax avoidance and increase transparency around corporate deals to ensure African nations receive their fair share of resource revenues.
Millennium Development Goals Report 2012
The Millennium Development Goals Report 2012 was launched in New York by the Secretary-General on 2 July 2012. The report presents the yearly assessment of global progress towards the MDGs, highlighting several milestones – three important MDG targets have been met well ahead of the target date of 2015. The report says that meeting the remaining targets, while challenging, remain possible - but only if Governments do not waiver from their commitments made over a decade ago. The report is based on a master set of data compiled by the Inter-Agency and Expert Group on MDG indicators led by the Statistics Division of the Department of Economic and Social Affairs.
Mdg 2014 english web
Millennium Development Goal progress report 2014, The
Millennium Development Goals (MDGs) were a pledge
to uphold the principles of human dignity, equality and
equity, and free the world from extreme poverty. The
MDGs, with eight goals and a set of measurable timebound
targets, established a blueprint for tackling the
most pressing development challenges of our time. This report examines the latest progress towards
achieving the MDGs. It reaffirms that the MDGs
have made a profound difference in people’s lives.
Global poverty has been halved five years ahead of
the 2015 timeframe. Ninety per cent of children in
developing regions now enjoy primary education, and
disparities between boys and girls in enrolment have
narrowed. Remarkable gains have also been made in
the fight against malaria and tuberculosis, along with
improvements in all health indicators. The likelihood of
a child dying before age five has been nearly cut in half
over the last two decades. That means that about 17,000
children are saved every day. We also met the target
of halving the proportion of people who lack access to
improved sources of water.
Mdg 2014 english web
This document discusses the importance of reliable data for monitoring progress towards achieving the Millennium Development Goals (MDGs). It outlines how MDG monitoring has driven development policy decisions by generating public support and funding. Disaggregated data has helped identify issues in local areas and among marginalized groups, allowing for effective interventions. The MDG framework has also strengthened statistical capacity and improved data availability in many developing countries. National statistical systems have been able to produce internationally comparable development indicators, and coordination within countries on data collection has improved.
The Millennium Development Goals Report
This document discusses the importance of reliable data for monitoring progress towards achieving the Millennium Development Goals (MDGs). It outlines how MDG monitoring has driven development policy decisions by generating public support and funding. Disaggregated data has helped identify issues in local areas and among marginalized groups, allowing for effective interventions. The MDG framework has also strengthened statistical capacity and improved data availability in many developing countries. National statistical systems have been able to produce internationally comparable development indicators, and coordination within countries on data collection has improved.
Millennium Development Goals Report 2014
Millions of people’s lives have improved due to concerted global, regional, national and local efforts to achieve the Millennium Development Goals (MDGs), which serve as the foundation for the next global development agenda, according to the report launched by the Secretary-General on 7 July 2014.
For more information:
http://www.un.org/en/development/desa/publications/mdg-report-2014.html#more-873
The impact of microfinance on living standards, empowerment and poverty allev...
This document summarizes a research study on the impact of microfinance on living standards, empowerment, and poverty alleviation among poor people in Ethiopia, using clients of Amhara Credit and Savings Institution (ACSI) as a case study. The study used questionnaires distributed to 150 ACSI clients in Debratabor and Estie branches to assess changes in factors like income, education, nutrition, and savings before and after using microfinance services. The results showed microfinance led to increased income, children being sent to school, ability to pay medical bills and feed families, and savings to cope with future crises. Overall, microfinance seemed to improve living standards and empower clients economically and socially.
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你做代理，可以改变自己，改变他人，给他人和自己一个机会大块就啃啃得满嘴满脸猴屁股般的红艳大家一个劲地指着对方吃吃地笑瓜裂得古怪奇形怪状却丝毫不影响瓜味甜丝丝的满嘴生津遍地都是瓜横七竖八的活像掷满了一地的大石块摘走二三只爷爷是断然发现不了的即便发现爷爷也不恼反而教山娃辨认孰熟孰嫩孰甜孰淡名义上是护瓜往往在瓜棚里坐上一刻饱吃一顿后山娃就领着阿黑漫山遍野地跑阿黑是一条黑色的大猎狗挺机灵的是山娃多年的忠实伙伴平时山娃上学阿黑也摇头晃脑地跟去暑假用不着上学阿钩
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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.
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Final project Malawi
- 1. Malawi A picture of lake Malawi A picture of a Malawi road
- 3. The meaning of the Malawi flag Black represents the people of the Continent of Africa The Rising Sun represents the dawn of hope and freedom for the whole Continent of Africa Red represents the blood of the martyrs of African freedom Green represents the ever green nature of Malawi.
- 4. A snapshot of the country… • Malawi is a landlocked country in southeast Africa • It is bordered by Zambia to the northwest, Tanzania to the northeast, and Mozambique on the east, south and west. • The lake Malawi separates the country from Tanzania and Mozambique • Its capital is Lilongwe, which is also Malawi's largest city, followed by Blantyre and Mzuzu. One of the Lilongwe roads
- 5. A snapshot of the country… • Amongst the smallest country in Africa with a surface of 118,404 km2 • The official language is English even though most of the people speak a national language called Chichewa • It is a Presidential Republic with Peter Mutharika as the President • The currency is Kwacha and $1 is equal to approximately 600 Kwacha • It is largely an agricultural country • The majors plague are HIV and Malaria. An aid worker in Malawi
- 6. Economic data • In 2014 the World Bank recorded a GDP of $4.258 billion and a population of 16,695,253 people • The GDP per capita (PPP1) is just $821.6 • The GDP (PPP) in 2014 of Bangladesh (another deprived country) was $3,124.4, almost four times. 1Purchasing Power Poverty One of the poorest village in Malawi
- 7. The last 5 years’ international help • The graph represents the ODA2 received by the country from 2010 to 2014 • There is the evidence of a drop of the ODA in 2014 • Had the donors thought about the consequences on the country of such an inconstant help? 2Oda stands for Official development assistance and the figures here are from the OECD website Figures in million of $ 0 200 400 600 800 1,000 1,200 2010 2011 2012 2013 2014
- 8. The last 5 years’ international help Although the health sector has a big slice of the pie, the in 2012 UNICEF recorded that: • 10.8% of adults were affected by HIV • 28% of adults were affected by malaria. Health and population 29% Economic infrastructure 15% Program assistance 11% Production sector 13% Other social sector 17% Humanitarian aid 3% Education 6% Others 6% ODA BREAKDOWN FOR THE 2010- 2014 AVERAGE
- 9. What to do? Investing in education According to the UNICEF the adult literacy rate recorded in 2012 was just 61.3% The pie showed that only 6% of the ODA goes to the education sector In 2014 the country has received $3.17 million on education, not enough to make an impact on this sector I believe that the implementation of appropriate educational policies will raise the literacy level so that people will understand the importance of the health messages they receive To achieve this Malawi need $70 million every year until 2025.
- 10. What to do? Malawi creditworthiness The country was hit by the Capital Hill Cashgate Scandal in 2013. It was a financial scandal involving looting, theft and corruption that happened at the seat of Government of Malawi Up to $250m have been lost through allegedly fraudulent payments to businessmen for services that were not rendered The government has already implemented the ETF, or Electronic Fund Transfer, in order to pay salaries of all civil servants….
- 11. What to do? Malawi creditworthiness …but this is not enough. We need to improve the DRM3 and PFL4 to ensure the sustainability of development gains, as highlighted in the second week’s lecture: “Domestic Resource Mobilization” The El Salvador’s case shows how $5 million invested to reform the tax system have paid off many times over. From the increased revenue it was possible to double the expenditure on health and education and reduce extreme poverty by 25%. 3Domestic Resource Mobilization is the process in which countries transparently raise and spend their own funds to provide for their people – is the long-term path to sustainable development finance. 4Public Financial Management
- 12. Improving the Public Financial Management Apart from the Electronic Fund Transfer, to improve the PFM it would be useful to: 1. Employ ad hoc internal and external auditor to supervise the tax income and public expenditure 2. Increasing civil society’s knowledge about public finance issues 3. Introduce the IAS/IFRS so that international company can better understand the financial statements of the country. The public sector play a key role to encourage the investments of the private sector.
- 13. The future As the 1998 Nobel Prize in Economic Science Amarya Sen explained in his book “Development as Freedom” growth and sustainable development come together with freedom. Only through the implementation of the Education sector and its creditworthiness Malawi can start climbing the ledger of sustained development and really live the colours of his flag and its motto “Unity and Freedom”
- 14. Sources • http://www.africaw.com • http://www.who.int • http://data.un.org • http://www.worldflags101.com • http://www.unicef.org.