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Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
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Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
Monthly Economic Monitoring of Ukraine No. 232, May 2024
INSURANCE REGULATORY DEVELOPMENT AUTHORITY
1. IRDA - Insurance Regulatory Development and Authority
is the statutory, independent and apex body that governs
and supervise the Insurance Industry in India.
It was constituted by Parliament of India Act
called Insurance Regulatory and Development Authority
of India (IRDA of India) after the formal declaration of
Insurance Laws (Amendment) Ordinance 2014, by the
President of India Pranab Mukherjee on December
26,2014.
2. Establishment
IRDA Act was passed upon the recommendations
of Malhotra Committee report (7 Jan,1994), headed
by Mr R.N. Malhotra (Retired Governor, RBI)
Main Recommendations - Entrance of Private
Sector Companies and Foreign promoters & An
independent regulatory authority for Insurance Sector
in India
In April,2000, it was set up as statutory body, with its
headquarters at New Delhi.
The headquarters of the agency were shifted
to Hyderabad, Telangana in 2001.
3. Objectives of IRDA
To promote the interest and rights of policy holders.
To promote and ensure the growth of Insurance
Industry.
To ensure speedy settlement of genuine claims and to
prevent frauds and malpractices
To bring transparency and orderly conduct of in
financial markets dealing with insurance.
4.
5. Organizational Setup of IRDA
IRDA is a ten member body consists of :
One Chairman (For 5 Years & Maximum Age - 60
years )
Five whole-time Members (For 5 Years and Maximum
Age- 62 years)
Four part-time Members (Not more than 5 years)
The chairman and members of IRDAI are appointed
by Government of India.
The present Chairman of IRDAI is Mr T.S Vijayan.
6. Functions And Duties of IRDA
Section 14 of IRDA Act,1999 lays down the duties and
functions of IRDA:
It issues the registration certificates to insurance
companies and regulates them.
It protects the interest of policy holders.
It provides license to insurance intermediaries such as
agents and brokers after specifying the required
qualifications and set norms/code of conduct for
them.
7. It promotes and regulates the professional
organizations related with insurance business to
promote efficiency in insurance sector.
It regulates and supervise the premium rates and
terms of insurance covers.
It specifies the conditions and manners, according to
which the insurance companies and other
intermediaries have to make their financial reports.
It regulates the investment of policyholder's funds by
insurance companies.
It also ensures the maintenance of solvency margin
(company's ability to pay out claims) by insurance
companies.
8. IRDA Related News
FDI limit in Insurance Sector has been increased to 49%
from 26%,approved by The Union Cabinet. The proposal
was made by Finance Minister Arun Jaitley.
IRDAI has celebrated 19th April,2015 as Insurance
Awareness Day at Hyderabad. (came into existence in
2000)
IRDAI has imposed a fine of Rs.10 lakh on TATA AIA
Life Insurance for violation of excess payment to
corporate agents. TATA AIA Life Insurance is joint venture
company formed by Tata Sons Ltd. and AIA Group Ltd.
CEO and MD of the company is Mr Naveen Tahilyani.
9. IRDAI has changed the norms related to
cancellation and change of name of nominee. The
insurer will charge fee for any such modification. The
fee is up to Rs. 50 for policies obtained online and
up to Rs.100 for others.
IRDAI has imposed a fine of Rs.20 lakh on APPOLO
MUNICH HEALTH INSURANCE COMPANY for
selling its policies through non- authorised insurance
selling website makemytrip.com. The CEO of APPOLO
MUNICH HEALTH INSURANCE COMPANY is
Antony Jacob and the Chairman and CEO of
makemytrip.com is Deep Kalra.
10. MISSION STATEMENT OF IRDA
To protect the interest of and secure fair treatment to
policyholders
To bring about speedy and orderly growth of the insurance
industry (including annuity and superannuation
payments), for the benefit of the common man, and to
provide long term funds for accelerating growth of the
economy;
To set, promote, monitor and enforce high standards of
integrity, financial soundness, fair dealing and competence
of those it regulates
To ensure speedy settlement of genuine claims, to prevent
insurance frauds and other malpractices and put in place
effective grievance redressal machinery
11. To promote fairness, transparency and orderly conduct
in financial markets dealing with insurance and build
a reliable management information system to enforce
high standards of financial soundness amongst market
players
To take action where such standards are inadequate or
ineffectively enforced
To bring about optimum amount of self-regulation in
day-to-day working of the industry consistent with the
requirements of prudential regulation.
12. Offences by Companies
Where any offence under this Act has been committed
by a company, every person who, at the time the
offence was committed, was in charge of, and was
responsible to, the company for the conduct of the
business of the company as well as the company shall
be deemed to be guilty of the offence and shall be
liable to be proceeded against and punished
accordingly.
13. Penalty for failure to comply with section 32B
If an insurer fails to comply with the provisions of
section 32B, he shall be liable to a penalty not
exceeding five lakh rupees for each such failure and
shall be punishable with imprisonment which may
extend to three years or with fine for each such failure.
Penalty for failure to comply with section 32C
If an insurer fails to comply with the provisions of
section 32C, he shall be liable to a penalty not
exceeding twenty-five lakh rupees for each such failure
and in the case of subsequent and continuing failure,
the registration granted to such insurer under section
3 shall be cancelled by the Authority.
14. Registration of Insurance Company
Every insurer seeking to carry out the business of insurance in
India is required to obtain a certificate of registration from the
IRDA prior to commencement of business. The pre-conditions
for applying for such registration have been set out under the Act
of 1938, the IRD Act and the various regulations prescribed by
the Authority.
1. General Registration Requirements
The following are some of the important general registration
requirements that an applicant would need to fulfill:
(a) The applicant would need to be a company registered under
the provisions of the Indian Companies Act, 1956.
Consequently, any person intending to carryon insurance
business in India would need to set up a separate entity in
India.
15. (b) The aggregate equity participation of a foreign
company (either by itself or through its subsidiary
companies or its nominees) in the applicant
company cannot not exceed twenty six per cent of
the paid up capital of the insurance company.
However, the Insurance Act and the regulations there
under provide for the manner of computation of
such twenty-six per cent.
(c) The applicant can carry on anyone of life insurance
business, general insurance business or reinsurance
business. Separate companies would be needed if the
intent were to conduct more than one business.
(d) The name of the applicant needs to contain the
words “insurance company” or “assurance company”.
16. 2. Capital Structure Requirements
The applicant would need to meet with the following
capital structure requirements:
(a) A minimum paid up equity capital of rupees one
billion in case of an applicant which seeks to carry on
the business of life insurance or general insurance.
(b) A minimum paid-up equity capital of rupees two
billion, in case of a person carrying on exclusively the
business of reinsurance.
17. 3. Cancellation of certificate of registration
if the insurer fails to comply with the provisions
relating to deposits-
if the insurer fails, at any time, to comply with the
provisions relating to the excess of the value of his
assets over the amount of his liabilities
if the insurer is in liquidation or is adjudged an
insolvent
if the business or a class of the business of the insurer
has been transferred to any person or has been
transferred to or amalgamated with the business of
any other insurer
if the whole of the deposit made in respect of the
insurance business has been returned to the insurer
18. CONSUMER PROTECTION
There are different ways of looking at a consumer’s grievance –
ranging from a genuine grievance arising out of a deficiency of
service, to the manifestation of one's frustration over an avoidable
non-issue. While the grievances of the second kind can be managed
by counselling, handholding etc., there is a dire need to take a
serious look at the genuine grievances of customers.
Ideally, if both the parties to the contract are totally at agreement
with the reciprocal obligations and their fulfilment, there is hardly
any space for deficiency of service.
In the domain of financial services in general, and insurance in
particular; this is one aspect that is hard to achieve. This compels us
to analyse the various types of grievances, and take stock of the
situation in ensuring that there is discernible progress over a period
of time