Icici banking
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This document discusses banks and how they segment their customers. It defines banks as financial institutions that accept deposits and make loans. Banks deal with individuals, groups, and corporations. They segment the market into more homogenous groups based on needs and expectations. Common segmentation strategies used by banks include geographical, demographic, psychographic, and behavioral segmentation. Demographic segmentation divides the market based on factors like age, income, occupation, etc.
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Why You Should Care
The document discusses why charities and nonprofits should consider social finance options beyond traditional grants and donations. It describes two cases where organizations needed funding quickly to address cash flow issues but were denied loans from banks. While grants will always be important, considering additional financing options could help stabilize and grow organizations. Social finance models from other places show that loans and investments for nonprofits can be successful, but the sector needs more support and resources to build infrastructure for these alternatives in Canada. The article argues that charities cannot focus only on immediate needs and should seek ways to build sustainability for the future through mechanisms like loans, if given proper assistance and opportunities.
Contribution of microfinance and women empowerment
Microfinance contributes to women's empowerment in Rwanda through organizations like Profemmes Twese Hamwe (PTH) and microfinance institutions like Duterimbere. Duterimbere provides credit to empower unemployed women by enabling them to start small businesses. While microcredit has increased women's economic role and decision making, the study found it has not been enough to fully empower women. Challenges include limited business knowledge, education, and loan amounts. Recommendations include expanding services to reach more impoverished groups and improving training programs to better meet clients' needs.
Microcredit Organizations in Bangladesh
Microcredit organizations in Bangladesh include Grameen Bank, around 1500 non-governmental organizations (NGOs), commercial and specialized banks, and government programs. These organizations provide small, uncollateralized loans to impoverished individuals and groups to support entrepreneurship, alleviate poverty, and empower communities. Microcredit is sustained through financial regulations tailored to objectives, increasing customer base to boost savings, large coverage, and addressing development needs of the poor. The Microcredit Regulatory Authority regulates and supervises microfinance operations in Bangladesh.
Micro finance 3
Microfinance aims to provide financial services like loans, savings, and insurance to low-income individuals who lack access to traditional banking. In India, microfinance grew out of efforts to provide credit to the poor, starting in the 1970s with organizations like Grameen Bank. The National Bank for Agriculture and Rural Development (NABARD) spearheaded India's microfinance program through partnerships with non-profits, banks, and cooperatives. Studies show microfinance has empowered women, improved health and education outcomes, and reduced dependency on informal lenders in rural India. However, some argue microfinance needs reforms to foster greater economic growth through support for real businesses and improved infrastructure.
Intro to Micro-Financing
This document provides an overview of microfinancing and how it aims to help alleviate poverty. It discusses the two types of poverty, absolute and relative, and how absolute poverty affects over 1.5 billion people living on less than $1.25 per day. Microfinancing attempts to address this through small loans (microcredit) to help the poor establish small businesses or improve their economic circumstances. Key aspects covered include high repayment rates of microloans, the emphasis on female borrowers, and debates around the long-term effectiveness of microfinancing.
Role of n.g.o.s and voluntary organisations and self help groups in tot in fi...
Role of n.g.o.s and voluntary organisations and self help groups in tot in fi...SHUBHAM PATIDAR FISHERIES ADDAA
Nongovernmental organizations (NGOs) and voluntary organizations can play important roles in fisheries extension and technology transfer. They are aware of local needs and problems and can conduct training, demonstrations, awareness campaigns and information dissemination. They also help form self-help groups that encourage community participation. Fisheries co-management involves resource users, the government and other stakeholders sharing responsibility for management. It aims to sustainably manage resources through empowering fishing communities. Research organizations provide technical guidance for resource assessment and rehabilitation, while extension organizations disseminate information and technologies between stakeholders and researchers.SKS Micro Finance
SKS Microfinance began as an NGO in 1997 to provide financial services to the poor but transformed into a commercial NBFC over time. Its mission was to eradicate poverty by lending to those without collateral. However, as it scaled, it lost focus on its original mission and individuals within SKS began accumulating personal wealth from the poor through high salaries and shareholding. The transformation process from NGO to NBFC led to a concentration of shares among few people rather than being held publicly. Ultimately, SKS drifted from its initial mission of poverty alleviation to prioritizing commercialization and private enrichment.
Microfinance
Microfinancing provides small loans and other basic financial services to low-income individuals who otherwise lack access to traditional banking services. It began in the 1970s with programs in Bangladesh and Brazil that made very small loans to rural poor groups, often women, to establish microenterprises and lift themselves out of poverty. Professor Muhammad Yunus pioneered microfinancing by founding Grameen Bank in Bangladesh in 1976, which today has over 6 million borrowers, most of whom are women. Microfinancing has since expanded globally and plays a key role in providing financial access to the poor in developing countries like India.
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Why You Should Care
The document discusses why charities and nonprofits should consider social finance options beyond traditional grants and donations. It describes two cases where organizations needed funding quickly to address cash flow issues but were denied loans from banks. While grants will always be important, considering additional financing options could help stabilize and grow organizations. Social finance models from other places show that loans and investments for nonprofits can be successful, but the sector needs more support and resources to build infrastructure for these alternatives in Canada. The article argues that charities cannot focus only on immediate needs and should seek ways to build sustainability for the future through mechanisms like loans, if given proper assistance and opportunities.
Contribution of microfinance and women empowerment
Microfinance contributes to women's empowerment in Rwanda through organizations like Profemmes Twese Hamwe (PTH) and microfinance institutions like Duterimbere. Duterimbere provides credit to empower unemployed women by enabling them to start small businesses. While microcredit has increased women's economic role and decision making, the study found it has not been enough to fully empower women. Challenges include limited business knowledge, education, and loan amounts. Recommendations include expanding services to reach more impoverished groups and improving training programs to better meet clients' needs.
Microcredit Organizations in Bangladesh
Microcredit organizations in Bangladesh include Grameen Bank, around 1500 non-governmental organizations (NGOs), commercial and specialized banks, and government programs. These organizations provide small, uncollateralized loans to impoverished individuals and groups to support entrepreneurship, alleviate poverty, and empower communities. Microcredit is sustained through financial regulations tailored to objectives, increasing customer base to boost savings, large coverage, and addressing development needs of the poor. The Microcredit Regulatory Authority regulates and supervises microfinance operations in Bangladesh.
Micro finance 3
Microfinance aims to provide financial services like loans, savings, and insurance to low-income individuals who lack access to traditional banking. In India, microfinance grew out of efforts to provide credit to the poor, starting in the 1970s with organizations like Grameen Bank. The National Bank for Agriculture and Rural Development (NABARD) spearheaded India's microfinance program through partnerships with non-profits, banks, and cooperatives. Studies show microfinance has empowered women, improved health and education outcomes, and reduced dependency on informal lenders in rural India. However, some argue microfinance needs reforms to foster greater economic growth through support for real businesses and improved infrastructure.
Intro to Micro-Financing
This document provides an overview of microfinancing and how it aims to help alleviate poverty. It discusses the two types of poverty, absolute and relative, and how absolute poverty affects over 1.5 billion people living on less than $1.25 per day. Microfinancing attempts to address this through small loans (microcredit) to help the poor establish small businesses or improve their economic circumstances. Key aspects covered include high repayment rates of microloans, the emphasis on female borrowers, and debates around the long-term effectiveness of microfinancing.
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Nongovernmental organizations (NGOs) and voluntary organizations can play important roles in fisheries extension and technology transfer. They are aware of local needs and problems and can conduct training, demonstrations, awareness campaigns and information dissemination. They also help form self-help groups that encourage community participation. Fisheries co-management involves resource users, the government and other stakeholders sharing responsibility for management. It aims to sustainably manage resources through empowering fishing communities. Research organizations provide technical guidance for resource assessment and rehabilitation, while extension organizations disseminate information and technologies between stakeholders and researchers.SKS Micro Finance
SKS Microfinance began as an NGO in 1997 to provide financial services to the poor but transformed into a commercial NBFC over time. Its mission was to eradicate poverty by lending to those without collateral. However, as it scaled, it lost focus on its original mission and individuals within SKS began accumulating personal wealth from the poor through high salaries and shareholding. The transformation process from NGO to NBFC led to a concentration of shares among few people rather than being held publicly. Ultimately, SKS drifted from its initial mission of poverty alleviation to prioritizing commercialization and private enrichment.
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Microfinancing provides small loans and other basic financial services to low-income individuals who otherwise lack access to traditional banking services. It began in the 1970s with programs in Bangladesh and Brazil that made very small loans to rural poor groups, often women, to establish microenterprises and lift themselves out of poverty. Professor Muhammad Yunus pioneered microfinancing by founding Grameen Bank in Bangladesh in 1976, which today has over 6 million borrowers, most of whom are women. Microfinancing has since expanded globally and plays a key role in providing financial access to the poor in developing countries like India.
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The document discusses microfinance as a strategy for poverty alleviation and women's empowerment. Microfinance involves providing small loans, savings opportunities, and insurance to poor and low-income individuals without collateral. It focuses on empowering women through self-help groups that provide access to credit and financial services. Microfinance helps rural women start small businesses and builds their confidence by providing an alternative to moneylenders. While it allows rural women to save and participate in the economy, there are also threats like women becoming unpaid debt collectors; however, these can be overcome through self-governance and portfolio diversification.
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The document discusses several topics related to microfinance including:
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- Different microfinance products like insurance, loans for various purposes, and pension plans.
- Challenges in microfinance like high interest rates, lack of legal protections, and high operating costs.
- The need to study fundamentals of microfinance concepts, design client-focused services, and analyze institutions' financial and risk profiles to strengthen the industry.
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The document provides background information on microcredit in Bangladesh. It discusses the origins and modern development of microcredit, with a focus on pioneering institutions like Grameen Bank. It outlines the key principles of microcredit, including group lending and lending to women. It also examines the typical users and suppliers of microcredit services in Bangladesh, how borrowers use loans, and the economic and social impacts of microcredit programs.
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This document discusses microfinance and its role in providing financial services to low-income populations. It defines microfinance as the provision of small loans, savings opportunities, and other basic financial services to the poor. Microfinance helps the poor generate income through self-employment and smooth consumption. The major models of microfinance delivery in India are the self-help group (SHG) bank linkage model and non-banking financial companies (NBFCs). The SHG model involves groups of women saving regularly and taking small loans, with banks later providing larger loans. NBFCs encourage joint liability groups (JLGs) and make individual loans to members.
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This document provides a summary of microfinance in India. It defines microfinance and outlines some of the key strategic policy initiatives taken by the Indian government to promote microfinance. It discusses various microfinance models used in India including self-help groups and analyses several large microfinance institutions operating in the country. The document also examines issues faced by the microfinance sector in India and factors contributing to the success of microfinance. Overall, the document provides a comprehensive overview of the microfinance landscape in India.
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federal reserve.
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The bank has introduced a new customer-centric business model and undertaken amendment on its organizational structure in order to provide effective service based on customer segment and demand. Its vision is amended as ‘’to become a world-class commercial bank financially driving Ethiopia’s future’’ and it is working to provide banking services tailored to the needs of its esteemed customers. The wholesale banking division, as one of the customers facing unit, is established to address banking needs of all individual and non-individual businesses, public and institutional customers. The new business model creates an opportunity to offer enhanced customer value proposition based on customer segmentation which in turn requires customized and differentiated product and services.
Thus, the bank has designed micro business saving and credit products will be availed through the bank’s credit operation process and mobile banking/Mobile Money solutions to deliver customer tailored products and services for underserved and un-served segment of the society. These segments of the society can create/provide multiple opportunities of the bank like improve customer base and wallet share of the bank, enhance financial inclusion and avail equal financial service for the society which ultimately build intact reputation in the heart of the societies, contribute the development of the country at large and enable to create a competitive advantage on MSL and digital financial technology area.
As therefore, the bank has designed appropriate micro business segment with proper CVP that can increase customer experience through provision of alternative products and customized pricing. Digital platform, mobile banking/money, will be the outreach channel to sell micro saving and credit products. On top of that, appropriate outreach strategies will be in placed to serve the disadvantaged units of the micro business segment.
Setting a planned customer acquisition strategy and manipulating a structured capacity building program for the target customers would be essential to identify challenges, gaps, and opportunities for financial inclusion and cooperation. Investing in a customer acquisition strategy is critical for a business to attract the right leads to our bank and increase chances of retaining them for the long term.
One of the strategic approach to promote our products and service is delivering capacity building and creating awareness for target group of the segment. This approach is expected and believed to recruit potential customer with effective and efficient way which result in expand customer base and generate resource from untapped niche market. Thus, it imperative to prepare capacity building and customer acquisition proposal to show the way how the bank will manage and handle the capacity building training, to plan the appropriate time and required resources to provide the training, to show concrete evidence and fact on the area of micro business for concer
Types of-banks , kinds of banks , industrial banks commercial banks ,agricult...
A bank is a licensed and regulated financial institution that lends money, accepts deposits and carries out other financial transactions for its clients. There are several types of banks including saving banks, which aim to promote saving habits; industrial banks, which provide long-term loans to industries; agricultural banks, which lend to farmers; and commercial banks, which provide financial services to businesses and entrepreneurs and can be further divided into public sector, private sector, foreign, and regional banks.
Role of ngo in microfinance
NGOs play a vital role in microfinance in India by promoting self-help groups and providing financial services to low-income individuals. They help convert pilot microfinance programs into large-scale operations, acting as direct lenders, helping link borrowers and savers to banks, providing training to rural enterprises, developing innovative financial products, and training other organizations. NGOs are critical to the growth of microfinance in India and extending financial access to those not served by traditional banks.
Micro finance- P. SAI PRATHYUSHA ([PONDICHERRY UNIVERSITY)
Microfinance refers to the provision of small loans, savings, microinsurance, and funds transfer services to low-income individuals and small businesses who lack access to traditional banking services. It aims to help the poor generate income and lift themselves out of poverty by financing small entrepreneurial activities. Common microfinance providers include credit unions, commercial banks, NGOs, cooperatives, and specialized microfinance institutions. In India, microfinance has grown significantly since the 1970s with the emergence of self-help groups that are financed by banks and other organizations to provide credit to their members. Microfinance plays an important role in empowering women, generating employment, promoting financial inclusion, and driving overall economic development.
Microfinance
This document provides an overview of microfinance in India. It discusses the history and evolution of microfinance, including pioneering organizations like Grameen Bank. It describes the different elements of microfinance like microcredit, microsavings, and microinsurance. It analyzes the various types of organizations that provide microfinance in India, including formal sector banks, semi-formal MFIs, and informal moneylenders. It also examines the growth of the sector, challenges faced, the role of microfinance for women, and its impact in alleviating poverty.
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Types of-banks , kinds of banks , industrial banks commercial banks ,agricult...
Types of-banks , kinds of banks , industrial banks commercial banks ,agricult...
Micro finance- P. SAI PRATHYUSHA ([PONDICHERRY UNIVERSITY)
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Using Online job postings and survey data to understand labour market trends
Using Online job postings and survey data to understand labour market trendsLabour Market Information Council | Conseil de l’information sur le marché du travail
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
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The NCVT MIS Certificate, issued by the National Council for Vocational Training (NCVT), is a crucial credential for skill development in India. Recognized nationwide, it verifies vocational training across diverse trades, enhancing employment prospects, standardizing training quality, and promoting self-employment. This certification is integral to India's growing labor force, fostering skill development and economic growth.
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Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.真实可查(nwu毕业证书)美国西北大学毕业证学位证书范本原版一模一样
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Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
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Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
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Icici banking
- 1. PRESENTED BY: JAGMOHAN PATTNAIK(12202081) (12202082) (12202083) (12202084)
- 2. BASIC DEFINATION: A system of trading money which: Provide safe place to save excess cash known as deposits. Supplies liquidity to the economy by loaning this money out to help business grow and to allow consumers to purchase consumer products ,homes,cars etc
- 3. Institutionwhich deals in money and credits. An intermediary which handles other people’s money both for their advantage and to its own profit.
- 5. The Regional Rural Banks mobilize the financial resource from rural/semi-urban area and grants loans to small and marginals farmers,agriculture labour and rural artisans. For Example: Andhra Pradesh Gramin Vikas Bank Jammu Rural Bank Nagaland Rural Bank
- 6. Banks are often created by persons belonging to same local or professional community or sharing a common interest. Example : The Goa State of Co-operative Bank limited. The Gujart State of Co-operative bank Limited The Harayana State of Co-operative Bank Limited.
- 7. A commercial bank is an institution which accepts deposits , make business loans and after related services Example : Canara Bank IDBI Bank Syndicate Bank
- 8. Bank deals with individuals ,group of persons and corporates. More or less homogenous groups in term of their needs and expectation. Marketing segments , targeting one or more segment developing products.
- 9. Segment marketing Niche marketing Local marketing Individual marketing
- 10. Geographic Segmentation:Division of market into geographical unit such as state,region,countries,cities,neighbourhood. Demographic Segmentation:Market is segmented into groups on the basis of variable as age, family size, family life cycle,income,occupation,education,religion
- 11. Psycographic Segmentation:Buyers are divided into different groups on the basis of personals traits,lifecycle or values. Behaviorial Segmentation:Marketers divide groups on basis of their knowledge of, attitude towards,use of , or response to a product.
- 12. DEMOGRAPHIC SEGMENTATION OPERATING VARIABLE PURCHASING APPROACHES SITUATIONAL FACTOR PERSONAL CHARACTERSTICS