This document outlines a proposed SME Integrity and Governance Performance Program. It discusses findings from workshops with SMEs that identified internal and external integrity issues. The program would help SMEs strengthen integrity through activities at three levels: foundations, demonstration, and collective action. Key elements for success include framing integrity as a financial issue and ensuring benefits to SMEs and partner banks. The proposal outlines the program structure, budget, deliverables, and some remaining questions.
The Seal of Excellence for Poverty Outreach and Transformation in Microfinance is a global initiative currently under development that will recognize those institutions doing the most to help families lift themselves out of poverty. The Seal has been under development the past 19 months with input from a broad range of stakeholders and will continue in 2012.
This PowerPoint illustrates how the Seal fits in with current initiatives and how it has developed over time.
In the fifth session of the Nexii Webinar Series 2012, we featured M-CRIL Ratings. Micro-Credit Ratings International (M-CRIL) specialises in rating the performance of micro-finance institutions and social enterprises, among other activities. In this most recent webinar session, Sanjay Sinha, founder and managing director of M-CRIL, walked attendees through the methodology behind M-CRIL, highlighting key indicators, the rating process, and the benefits of using such a performance and impact measurement tool.
From conducting performance and impact ratings, M-CRIL has made notable findings regarding the potential and impact of microfinance institutions and social enterprises across the world. According to M-CRIL, over 100 million families have been positively impacted by microfinance institutions worldwide. In addition to this, M-CRIL noted that over $30 billion is available for investment in microfinance and impact enterprises. These are very exciting findings for impact investing!
If you would like to know more about M-CRIL and its ratings, we have made the webinar slides available below. You can also find out more by contacting M-CRIL directly at contact@m-cril.com
Rowel Nojor was appointed CEO of Calasiao Plant and Related Co. in January 2020. He has over 20 years of experience in finance roles for companies like Coca-Cola, Samsung, and Hopewell Philippines. As the new CEO, Nojor will draw from his experience and various managerial approaches to help the company achieve its vision, including empirical, systems, communication centered, and contingency approaches. He will also emphasize transparency, competitive advantages, behavioral leadership, and thinking creatively to solve problems.
Abdelfattah Habib
Project Manager /
Senior IT Advisor
How To Pass COBIT 5 Foundation Exam
Agenda
What & Why COBIT5
Golden Plan
Proposed Study Schedule
Register For the Exam
Study Iterations 2 & 3
Exam
• COBIT 2019 story
Gift
• Why do Organizations Outsource Business Process
• The Hidden Costs of Outsourcing
• Core Competencies
• Outsourcing Trends
• Element Strategic Outsourcing
Partnership Risk Management Sample Slides from MasterclassAlexander Larsen
A sample of my slides from my Masterclass I held in Dubai a few years ago covering the topic of Partnership Risk Management. Slideshare doesn't allow animations so some slides may look odd.
These slides were presented during the webinar on "Managing Partnerships in Microinsurance" conducted by the Facility on 1 March 2012. The webinar highlighted the stages of partnership, key points and strategies that can be used per stage, success factors and pitfalls, as well as real cases in partnership management.
Competencies and Culture - St. Thomas Law School SymposiumSusan Manch
This document discusses using competency-based performance management to balance individualism and collectivism in law firm culture. It begins with an overview of competencies and how they can define expectations and milestones. External factors like growth and shrinking markets influence firm culture to emphasize either individualism or collectivism. Internally, changes like non-equity partners and portable business models also impact culture. The document argues that competency models describing behaviors, traits, and values can help align expectations and rewards to find the right cultural balance of individual breakout performance and collaboration. If used consistently over time, competencies can shape both the visible and underlying belief systems that make up a firm's culture.
The Seal of Excellence for Poverty Outreach and Transformation in Microfinance is a global initiative currently under development that will recognize those institutions doing the most to help families lift themselves out of poverty. The Seal has been under development the past 19 months with input from a broad range of stakeholders and will continue in 2012.
This PowerPoint illustrates how the Seal fits in with current initiatives and how it has developed over time.
In the fifth session of the Nexii Webinar Series 2012, we featured M-CRIL Ratings. Micro-Credit Ratings International (M-CRIL) specialises in rating the performance of micro-finance institutions and social enterprises, among other activities. In this most recent webinar session, Sanjay Sinha, founder and managing director of M-CRIL, walked attendees through the methodology behind M-CRIL, highlighting key indicators, the rating process, and the benefits of using such a performance and impact measurement tool.
From conducting performance and impact ratings, M-CRIL has made notable findings regarding the potential and impact of microfinance institutions and social enterprises across the world. According to M-CRIL, over 100 million families have been positively impacted by microfinance institutions worldwide. In addition to this, M-CRIL noted that over $30 billion is available for investment in microfinance and impact enterprises. These are very exciting findings for impact investing!
If you would like to know more about M-CRIL and its ratings, we have made the webinar slides available below. You can also find out more by contacting M-CRIL directly at contact@m-cril.com
Rowel Nojor was appointed CEO of Calasiao Plant and Related Co. in January 2020. He has over 20 years of experience in finance roles for companies like Coca-Cola, Samsung, and Hopewell Philippines. As the new CEO, Nojor will draw from his experience and various managerial approaches to help the company achieve its vision, including empirical, systems, communication centered, and contingency approaches. He will also emphasize transparency, competitive advantages, behavioral leadership, and thinking creatively to solve problems.
Abdelfattah Habib
Project Manager /
Senior IT Advisor
How To Pass COBIT 5 Foundation Exam
Agenda
What & Why COBIT5
Golden Plan
Proposed Study Schedule
Register For the Exam
Study Iterations 2 & 3
Exam
• COBIT 2019 story
Gift
• Why do Organizations Outsource Business Process
• The Hidden Costs of Outsourcing
• Core Competencies
• Outsourcing Trends
• Element Strategic Outsourcing
Partnership Risk Management Sample Slides from MasterclassAlexander Larsen
A sample of my slides from my Masterclass I held in Dubai a few years ago covering the topic of Partnership Risk Management. Slideshare doesn't allow animations so some slides may look odd.
These slides were presented during the webinar on "Managing Partnerships in Microinsurance" conducted by the Facility on 1 March 2012. The webinar highlighted the stages of partnership, key points and strategies that can be used per stage, success factors and pitfalls, as well as real cases in partnership management.
Competencies and Culture - St. Thomas Law School SymposiumSusan Manch
This document discusses using competency-based performance management to balance individualism and collectivism in law firm culture. It begins with an overview of competencies and how they can define expectations and milestones. External factors like growth and shrinking markets influence firm culture to emphasize either individualism or collectivism. Internally, changes like non-equity partners and portable business models also impact culture. The document argues that competency models describing behaviors, traits, and values can help align expectations and rewards to find the right cultural balance of individual breakout performance and collaboration. If used consistently over time, competencies can shape both the visible and underlying belief systems that make up a firm's culture.
Module 2 building an embedded cebb strategy ppt slidesharemfopps
MABS-RBAP in the Philippines examined how to improve uptake and use of mobile banking through consumer education (CE). They faced challenges of cost, reaching scale with limited resources, and competing demands on staff time. To address these, they developed a low-cost CE approach that embedded education into existing customer touchpoints. CE materials were integrated into orientation meetings and follow up visits by various frontline staff, not just channel specialists. This embedded approach aimed to make CE sustainable, reach more customers, and better utilize staff capabilities.
The document discusses ABC's evolving approach to strategic alliances in complex business environments. It notes that traditional bilateral partner selection is being replaced by ongoing management of partnership portfolios. ABC recognizes alliances have become more central to strategy and goals have shifted from pre-set objectives to innovating amid uncertainties. Their approach now balances managing multiple alliances within networks and distinguishes long-term "elephant" partnerships from short-term "fruit fly" relationships. ABC's business development program aims to strategically position the company, build alliance capabilities, and determine tightly fitting partner profiles beyond traditional approaches.
Retirement Plans: Managing Your Fiduciary ResponsibilitySecureDocs
The document provides information about retirement plan governance and fiduciary responsibilities. It discusses the importance of establishing clear roles, processes, and oversight for retirement plans to help ensure compliance and protect fiduciaries from liability. It emphasizes having the right people involved, clearly identifying duties, documenting formal procedures, and routinely monitoring activities. Well-documented governance helps fiduciaries fulfill their responsibilities and prepares plans for potential IRS or DOL audits.
Enterprise Project and Portfolio Management: Managing the RevolutionUMT
This document discusses strategies for successfully implementing enterprise project and portfolio management (EPPM) frameworks in large, global organizations. It identifies common challenges such as scale, incomplete solutions, political governance issues, and lack of standardized metrics. The document recommends 12 principles for EPPM implementation, including securing senior management sponsorship, identifying clear objectives, employing a phased approach, leveraging pilots, implementing change management, including financial analysis, consolidating systems, and conducting ongoing analysis. Case studies and examples are provided for each principle to illustrate proven strategies. The overall goal is to provide guidance for organizations navigating the complexities of implementing comprehensive EPPM on an enterprise-wide scale.
IT value Frameworks- VAL-IT COBIT 5 and KPMGShwetha Bhat
Technology entrepreneurs must create value for customers in order to generate revenue. IT values frameworks helps CIO's of organization to take right decisions to formulate IT strategies to reap maximum benefits through IT.
The document discusses designing effective financial controls. It outlines that effective controls require a commitment to control objectives, risk assessment, control activities, communication, and monitoring. It describes the five components of the COSO internal control framework - control environment, risk assessment, control activities, communication and information, and monitoring. Key focus areas for effective controls are outlined as control activities to manage risk, reliable information available to stakeholders, communication mechanisms, and monitoring for compliance.
The document discusses mentor-protégé programs, which provide incentives for large government contractors to assist and guide small businesses. The purpose is to help small businesses enhance their capabilities and participate in more contracts. Under these programs, an experienced mentor firm is matched with a protégé small business to provide management guidance, technical assistance, and other resources over time to help the small business grow. Both parties can benefit from new opportunities and relationships. Commitment is needed from both sides for the partnership to succeed.
What executives need to know about business reationship managementSvetlana Sidenko
You might have already completed a Business Relationship Management course and you have a good grasp of the main concepts. Maybe you’re new to the BRM role and you’re aiming to solidify your knowledge. Perhaps you don't have a formal BRM role, but you’re interested in learning more on how your Provider Organization can co-create value to your business and how to grow as a strategic partner. Take advantage of our professional insights on what executives need to know about Business Relationship Management.
Session 1 - The Value-adding Finance OrganizationStephen G. Lynch
The document summarizes a presentation on transforming finance organizations to be more value-adding. It discusses the goals of becoming more efficient and strategic. It outlines challenges such as complexity, disparate systems and processes. It then provides opportunities to overcome these challenges through standardization, simplification, and global delivery models. The overall message is that high performance is achieved through integrating people, processes, technology and information.
Session 3 - Reengineering the Finance OrganizationStephen G. Lynch
This document discusses reengineering the finance function. It begins by introducing the presenter and describing the goals of the workshop, which are to understand reengineering principles, frameworks, shared services, outsourcing trends, and managing change. It then discusses what reengineering is and principles such as organizing around outcomes. It describes challenges finance organizations face and how reengineering can address these. The transformation framework covers phases from project launch to transition and realization. Key activities and deliverables are outlined for each phase. Critical success factors like executive support and alignment with strategy are also noted.
Session 2 - Lean Assessment of the Finance OrganizationStephen G. Lynch
This document summarizes a workshop on assessing finance organizations using lean principles. It discusses defining the framework for assessment, understanding six sigma and benchmarking in the assessment phase. It outlines the goals of understanding an organization's capacity for transformation, prioritizing improvement areas, and identifying common obstacles. It defines the key levers of transformation like vision, strategy, governance and culture. It discusses using six sigma approaches like defining problems and opportunities, measuring performance, analyzing data, improving processes and controlling results. It covers gathering current state information, benchmarking performance against world-class companies, and assessing an organization's leadership, programs, existing initiatives and resources to determine readiness for transformation.
In a " VUCA" environment its becoming increasingly challenging for CEO to align the short time horizon of " Strategic initiatives" with " Operational deliverables".... thus is presented a " Strategy map" TO aid realise the broad blue-print for direction setting to see better " strategic-operational alignment"
The document discusses corporate governance. It defines corporate governance as the system and standards through which companies are directed and controlled. It involves balancing the interests of a company's many stakeholders, and establishing accountability, transparency and fairness. Effective corporate governance helps increase investor confidence and protects shareholder interests. It can also help companies raise capital at a lower cost and mitigate risks. The document emphasizes the importance of corporate governance for economies, companies, investors and other stakeholders. It stresses that good governance promotes transparency, accountability and ethical business practices.
This document outlines guiding principles and a self-evaluation tool for sustainable infrastructure projects created by the Global Energy Basel Foundation. It defines 10 key themes for sustainable projects: accountability, transparency, customer focus, results orientation, poverty responsiveness, power-balanced partnerships, shared incentives, sound financing mechanisms, proactive risk management, and resource protection. It then provides a brief overview of each theme. The document concludes with a sample self-evaluation chart to assess project performance across the 10 themes.
The document discusses the role and responsibilities of an audit committee. It provides an overview of how an audit committee should provide oversight of an organization's financial reporting and internal controls. This includes coordinating with leadership, developing an audit committee charter, overseeing external financial reporting and the external audit, monitoring internal controls and risk management, and reporting to the full board of directors. The document also describes services that McCracken Alliance Partners (MAP) can provide to assist audit committees, such as performing reviews, providing temporary audit committee members, and advising audit committees.
From Strategy to Practice: The Tonle Sap InitiativeOlivier Serrat
Consumptive use of the Tonle Sap's natural capital is intense. The Tonle Sap Basin Strategy promotes an approach that conserves nature and offers the promise of sustainable development. Informed by principles that fix attention to sustainable livelihoods, social justice, and a basin-wide approach, the development objectives are to foster, promote, and facilitate pro-poor, sustainable economic growth; access to assets; and management of natural resources and the environment.
The document discusses Pitney Bowes' strategic outsourcing initiative led by Joann Martin. Some key points:
1) In 2005, Pitney Bowes decided to outsource to cut costs, limit investments, and improve flexibility. Martin led partner selection.
2) Pitney Bowes selected best-in-breed global partners before involving business units. This included Sitel for call centers.
3) To gain internal support, Martin had to show how outsourcing would manage risks, reduce costs, and expand capabilities globally. Metrics ensured partners delivered value.
Malcolm Prince has over 15 years of experience in visitor services, administration, and financial analysis. He is currently the Visitor Services Coordinator & Supervisor at The New-York Historical Society, where he oversees admissions staff, recruits and supervises 10-15 employees, and assists with new initiatives. Previously he held administrative and visitor services roles at several organizations, and was an analyst at JP Morgan Chase for 8 years. He has a BA in Liberal Arts from New York University.
Projeto Integração Local de Refugiados e Solicitantes de RefugioCáritas Londrina
O documento fornece informações sobre os direitos e processos relacionados a refugiados e solicitantes de refúgio no Brasil, incluindo como solicitar refúgio, direitos durante o processo, órgãos envolvidos e integração local.
Module 2 building an embedded cebb strategy ppt slidesharemfopps
MABS-RBAP in the Philippines examined how to improve uptake and use of mobile banking through consumer education (CE). They faced challenges of cost, reaching scale with limited resources, and competing demands on staff time. To address these, they developed a low-cost CE approach that embedded education into existing customer touchpoints. CE materials were integrated into orientation meetings and follow up visits by various frontline staff, not just channel specialists. This embedded approach aimed to make CE sustainable, reach more customers, and better utilize staff capabilities.
The document discusses ABC's evolving approach to strategic alliances in complex business environments. It notes that traditional bilateral partner selection is being replaced by ongoing management of partnership portfolios. ABC recognizes alliances have become more central to strategy and goals have shifted from pre-set objectives to innovating amid uncertainties. Their approach now balances managing multiple alliances within networks and distinguishes long-term "elephant" partnerships from short-term "fruit fly" relationships. ABC's business development program aims to strategically position the company, build alliance capabilities, and determine tightly fitting partner profiles beyond traditional approaches.
Retirement Plans: Managing Your Fiduciary ResponsibilitySecureDocs
The document provides information about retirement plan governance and fiduciary responsibilities. It discusses the importance of establishing clear roles, processes, and oversight for retirement plans to help ensure compliance and protect fiduciaries from liability. It emphasizes having the right people involved, clearly identifying duties, documenting formal procedures, and routinely monitoring activities. Well-documented governance helps fiduciaries fulfill their responsibilities and prepares plans for potential IRS or DOL audits.
Enterprise Project and Portfolio Management: Managing the RevolutionUMT
This document discusses strategies for successfully implementing enterprise project and portfolio management (EPPM) frameworks in large, global organizations. It identifies common challenges such as scale, incomplete solutions, political governance issues, and lack of standardized metrics. The document recommends 12 principles for EPPM implementation, including securing senior management sponsorship, identifying clear objectives, employing a phased approach, leveraging pilots, implementing change management, including financial analysis, consolidating systems, and conducting ongoing analysis. Case studies and examples are provided for each principle to illustrate proven strategies. The overall goal is to provide guidance for organizations navigating the complexities of implementing comprehensive EPPM on an enterprise-wide scale.
IT value Frameworks- VAL-IT COBIT 5 and KPMGShwetha Bhat
Technology entrepreneurs must create value for customers in order to generate revenue. IT values frameworks helps CIO's of organization to take right decisions to formulate IT strategies to reap maximum benefits through IT.
The document discusses designing effective financial controls. It outlines that effective controls require a commitment to control objectives, risk assessment, control activities, communication, and monitoring. It describes the five components of the COSO internal control framework - control environment, risk assessment, control activities, communication and information, and monitoring. Key focus areas for effective controls are outlined as control activities to manage risk, reliable information available to stakeholders, communication mechanisms, and monitoring for compliance.
The document discusses mentor-protégé programs, which provide incentives for large government contractors to assist and guide small businesses. The purpose is to help small businesses enhance their capabilities and participate in more contracts. Under these programs, an experienced mentor firm is matched with a protégé small business to provide management guidance, technical assistance, and other resources over time to help the small business grow. Both parties can benefit from new opportunities and relationships. Commitment is needed from both sides for the partnership to succeed.
What executives need to know about business reationship managementSvetlana Sidenko
You might have already completed a Business Relationship Management course and you have a good grasp of the main concepts. Maybe you’re new to the BRM role and you’re aiming to solidify your knowledge. Perhaps you don't have a formal BRM role, but you’re interested in learning more on how your Provider Organization can co-create value to your business and how to grow as a strategic partner. Take advantage of our professional insights on what executives need to know about Business Relationship Management.
Session 1 - The Value-adding Finance OrganizationStephen G. Lynch
The document summarizes a presentation on transforming finance organizations to be more value-adding. It discusses the goals of becoming more efficient and strategic. It outlines challenges such as complexity, disparate systems and processes. It then provides opportunities to overcome these challenges through standardization, simplification, and global delivery models. The overall message is that high performance is achieved through integrating people, processes, technology and information.
Session 3 - Reengineering the Finance OrganizationStephen G. Lynch
This document discusses reengineering the finance function. It begins by introducing the presenter and describing the goals of the workshop, which are to understand reengineering principles, frameworks, shared services, outsourcing trends, and managing change. It then discusses what reengineering is and principles such as organizing around outcomes. It describes challenges finance organizations face and how reengineering can address these. The transformation framework covers phases from project launch to transition and realization. Key activities and deliverables are outlined for each phase. Critical success factors like executive support and alignment with strategy are also noted.
Session 2 - Lean Assessment of the Finance OrganizationStephen G. Lynch
This document summarizes a workshop on assessing finance organizations using lean principles. It discusses defining the framework for assessment, understanding six sigma and benchmarking in the assessment phase. It outlines the goals of understanding an organization's capacity for transformation, prioritizing improvement areas, and identifying common obstacles. It defines the key levers of transformation like vision, strategy, governance and culture. It discusses using six sigma approaches like defining problems and opportunities, measuring performance, analyzing data, improving processes and controlling results. It covers gathering current state information, benchmarking performance against world-class companies, and assessing an organization's leadership, programs, existing initiatives and resources to determine readiness for transformation.
In a " VUCA" environment its becoming increasingly challenging for CEO to align the short time horizon of " Strategic initiatives" with " Operational deliverables".... thus is presented a " Strategy map" TO aid realise the broad blue-print for direction setting to see better " strategic-operational alignment"
The document discusses corporate governance. It defines corporate governance as the system and standards through which companies are directed and controlled. It involves balancing the interests of a company's many stakeholders, and establishing accountability, transparency and fairness. Effective corporate governance helps increase investor confidence and protects shareholder interests. It can also help companies raise capital at a lower cost and mitigate risks. The document emphasizes the importance of corporate governance for economies, companies, investors and other stakeholders. It stresses that good governance promotes transparency, accountability and ethical business practices.
This document outlines guiding principles and a self-evaluation tool for sustainable infrastructure projects created by the Global Energy Basel Foundation. It defines 10 key themes for sustainable projects: accountability, transparency, customer focus, results orientation, poverty responsiveness, power-balanced partnerships, shared incentives, sound financing mechanisms, proactive risk management, and resource protection. It then provides a brief overview of each theme. The document concludes with a sample self-evaluation chart to assess project performance across the 10 themes.
The document discusses the role and responsibilities of an audit committee. It provides an overview of how an audit committee should provide oversight of an organization's financial reporting and internal controls. This includes coordinating with leadership, developing an audit committee charter, overseeing external financial reporting and the external audit, monitoring internal controls and risk management, and reporting to the full board of directors. The document also describes services that McCracken Alliance Partners (MAP) can provide to assist audit committees, such as performing reviews, providing temporary audit committee members, and advising audit committees.
From Strategy to Practice: The Tonle Sap InitiativeOlivier Serrat
Consumptive use of the Tonle Sap's natural capital is intense. The Tonle Sap Basin Strategy promotes an approach that conserves nature and offers the promise of sustainable development. Informed by principles that fix attention to sustainable livelihoods, social justice, and a basin-wide approach, the development objectives are to foster, promote, and facilitate pro-poor, sustainable economic growth; access to assets; and management of natural resources and the environment.
The document discusses Pitney Bowes' strategic outsourcing initiative led by Joann Martin. Some key points:
1) In 2005, Pitney Bowes decided to outsource to cut costs, limit investments, and improve flexibility. Martin led partner selection.
2) Pitney Bowes selected best-in-breed global partners before involving business units. This included Sitel for call centers.
3) To gain internal support, Martin had to show how outsourcing would manage risks, reduce costs, and expand capabilities globally. Metrics ensured partners delivered value.
Malcolm Prince has over 15 years of experience in visitor services, administration, and financial analysis. He is currently the Visitor Services Coordinator & Supervisor at The New-York Historical Society, where he oversees admissions staff, recruits and supervises 10-15 employees, and assists with new initiatives. Previously he held administrative and visitor services roles at several organizations, and was an analyst at JP Morgan Chase for 8 years. He has a BA in Liberal Arts from New York University.
Projeto Integração Local de Refugiados e Solicitantes de RefugioCáritas Londrina
O documento fornece informações sobre os direitos e processos relacionados a refugiados e solicitantes de refúgio no Brasil, incluindo como solicitar refúgio, direitos durante o processo, órgãos envolvidos e integração local.
Prajapati Kirankumar Kantilal is applying for the position of Senior Electrician. He has 7 years of experience as an electrician in drilling fields in India. He has worked on various land drilling rigs with horsepower capacities ranging from 750HP to 2000HP for companies like John Energy Ltd and ESSAR Oilfield Services India Ltd. He holds an ITI certification in Wireman and is competent in English, Hindi, and Gujarati languages. His hobbies include playing volleyball, cricket, and reading books.
Este documento presenta una actualización sobre los programas y proyectos de la Fundación "Mar de Chile" para el año 2016. La Fundación es una organización sin fines de lucro dedicada a promover el conocimiento del mar chileno. En 2016, la Fundación planea desarrollar programas de educación, seminarios, actividades deportivas y culturales relacionadas con el mar, así como proyectos de documentales y publicaciones para difundir la cultura marítima. También busca establecer nuevas alianzas y ampliar la cobertura nacional de sus iniciativas educativas
Investor Securities Group was founded in 1964 and transitioned to become a branch of Securities America in 2012. It supports over 100 independent financial professionals across the country. ISG offers operational support services so advisors can focus on serving clients. It is committed to integrity and professionalism in its relationships with advisors. ISG's goal is to anticipate advisors' needs, be advocates for them, and exceed their expectations.
Este documento resume a terceira temporada da série de comédia "Faking It". A nova temporada estreou em 4 de abril e trará um novo diretor para a escola enquanto Karma e Amy tentam reconstruir sua amizade. A segunda temporada atraiu mais de 3,1 milhões de espectadores.
1. The study examined the role of the integrin INA-1 in axonal patterning in C. elegans.
2. Most ina-1 mutants showed errors in GABAergic and cholinergic axon projections.
3. A mutant with wildtype INA-1 also showed many misprojected axons, suggesting INA-1 may not act cell autonomously in GABAergic neurons.
Joseph R. Peiso is a CPA and CPCU based in Sarasota, Florida. He currently serves as Chief Financial Officer of United Insurance Holding Corp. His experience includes over 30 years in insurance finance and regulatory roles, including positions at several insurance companies and the North Carolina Department of Insurance. He has extensive experience with financial reporting, modeling, regulatory examinations, and transaction support.
Engaging Boys in Writing through Role Play: Following their Lead.Julia Crawshaw
The aim of this action research is to find ways to improve boys writing in the role play area within an Early Years classroom (3-7 years). Following the children’s interest’s enabled us to respond creatively to their fascinations and enabled them to engage in play in a meaningful way.
Fremtidens købmand hos Dansk Erhverv - 30. september 2016Janus Sandsgaard
Detailhandelens Fagprøvepris og Danish Retail Award 2016
Lad dig inspirere af Mark P. Campell fra Hamleys i London. Hamleys arbejder succesfuldt med den personaliserede service, fx ved påvirkning af syns- og duftindtryk og gennem sælgers energi og engagement.
Vær også med til at hylde detailhandelens fremmeste talenter, når minister for børn, undervisning og ligestilling Ellen Trane Nørby uddeler Detailhandelens Fagprøvepris 2016 til årets bedste detailhandelselever med en samlet præmiesum på kr. 60.000.
Derudover uddeles i år også Danish Retail Award, som er afløser for Tuborgfondets Retail Award, der hylder butiks- og varehuschefer, der har været særligt entusiastiske og forandringsskabende for deres butik, kæde eller koncept.
Hør Dansk Erhvervs fagchef for digitalisering Janus Sandsgaard give et bud på, hvad disruption og digitalisering betyder for detailhandelen, og hvilke muligheder det giver virksomhederne i fremtiden.
Shale Gas & Hydraulic Fracturing Risks & OpportunitiesTheodor COJOIANU
This document is a project report for an MEng thesis on shale gas and hydraulic fracturing. It includes an introduction outlining the background and aims of the project. The report will analyze risks and opportunities of shale gas development for oil and gas companies and investors based on lessons from development in the US. It will include a literature review on shale gas research trends, a case study of development in Pennsylvania, an analysis of risks to companies operating in Pennsylvania shale gas, an overview of hydraulic fracturing data from the FracFocus national registry, and a worldwide outlook on shale gas resources and development challenges. The student is conducting the project during a placement at MSCI ESG Research in London from June to December 2013 under the supervision of university
PL/SQL All the Things in Oracle SQL DeveloperJeff Smith
The document discusses features of Oracle SQL Developer, a free Oracle Database IDE. It provides an overview of SQL Developer's major feature areas including its PL/SQL IDE capabilities, SQL editing, database object browsing, reporting, data modeling, administration, and more. The document also reviews SQL Developer's history and includes screenshots demonstrating features like snippets, formatting, debugging, documentation generation, and unit testing.
DHG Financial Services Strategic Planning and Cybersecurity PresentationJenny Cavnar
This document discusses strategies for planning and executing an effective strategic growth plan for an institution. It begins by outlining the topics that will be covered, including why strategic planning is important, an effective strategic planning process, and minimizing execution risk. It then discusses analyzing internal capabilities and external opportunities, developing strategic options, agreeing on a strategy and communicating it. The document emphasizes linking strategy to operating and capital budgets, monitoring performance, and involving stakeholders. It provides examples of strategic planning best practices from a successful community bank. Finally, it discusses minimizing execution risk through disciplines like accountability, flexibility, and strong execution. The overall message is that a well-thought out strategic planning process is essential for dealing with external pressures and achieving long-term value.
The document discusses the International Federation of Accountants (IFAC) and its focus on the global accountancy profession. It summarizes IFAC's services including establishing standards, adoption/implementation support, quality development, and representing the profession. A large portion discusses IFAC's work related to professional accountants in business, including areas of importance, competency development, and the role of Chief Financial Officers. It also summarizes IFAC's responses to issues like the global financial crisis and its frameworks/guidance on topics such as risk management, governance, and integrated reporting.
View this brief overview of the findings of IEG's evaluation, which assesses how the IFC has implemented its strategic approach to client engagement since the early 2000s, and its effects on IFC's clients and the development impact of its operations.
The document discusses strategy planning and execution at Emirates ID from 2007-2013. It provides details on:
1) How Emirates ID initially planned an optimistic 2007-2010 strategy but faced challenges in execution due to unforeseen issues, requiring a new 2010-2013 strategy.
2) The 2010-2013 strategy was carefully developed and implemented, with key controls put in place, allowing Emirates ID to achieve 97% of targets and receive awards for excellence.
3) Lessons learned included the importance of communication, leadership, alignment across the organization, and ongoing review/adaptation to ensure strategy success.
The document provides an overview of managerial finance. It defines finance and describes the managerial finance function. It outlines various career opportunities in finance, including financial services and managerial finance roles. It also discusses the goal of maximizing shareholder wealth for firms and examines how managerial finance relates to economics and accounting. Key activities of financial managers are financial planning, analysis, investment decisions, and financing decisions.
BlueOrchard Finance SA - Social Performance Report 2013Jeanette Wichmann
In BlueOrchard’s fourth annual Social Performance Report,
we review the Social Performance Objectives that we as a
company have defined for 2013/2014 and provide concrete
examples of how these objectives are being pursued through
our daily activities, the products we create for our investors,
and the microfinance institutions in which we invest.
Expanding the access to financial pr oducts for micro entrepreneurs and small businesses; Empowering them to
manage their own financial future and improve their families’
well-being; Supporting the healthy development of the
communities in which they live. This is what microfinance
is all about, and the ability to achieve these outcomes is what
social performance management aims to assess.
Throughout the microfinance industry, there has been significant progress made to make social performance management more systematic and concrete. The Universal Standards for Social Performance Management that were released in 2012 developed benchmarks and yardsticks against which performance can be assessed.
We, at BlueOrchard have been actively involved
in such industry initiatives and continue to support these
developments. But it is not enough to say one wants to make
a difference: by setting specific objectives, we aim to define
and illustrate how BlueOrchard works to make that difference,
helping in developing a sustainable, inclusive financial system
worldwide.
This document provides an overview of strategies and initiatives to improve SME finance. It discusses key observations on SME banking profitability and challenges in the sector. It then outlines IFC's approach to addressing these challenges through advisory services, partnerships, knowledge sharing initiatives like the SME Finance Forum, and investment projects. Case studies highlight projects in Honduras, Lebanon, and China that helped participating banks grow their SME lending and improve performance.
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1. CORPORATE INTEGRITY AND
GOVERNANCE (CIG)
SME Integrity and Governance Performance Program
Maxine Garvey
Corporate Governance Unit
July 2012
1
2. Table of Contents
CORPORATE INTEGRITY AND GOVERNANCE
1. SME Integrity Workshops Feb – May 2012
2. What did we find out from the workshops?
• Internal and External Issues in Poor SME Integrity Performance
1. How can IFC help?
2. IFC & SME Integrity Performance: An Opportunity to Lead
3. Essential Elements for Success of an SME Integrity Program
4. Outline of Activities in an SME Integrity Performance Program
• Outline of Structure & Budget
• Outline of Deliverables
1. Issues/Questions
2
3. SME Integrity Workshops: Feb-May 2012
• Purpose: To test prototype approach and market interest
• Defined integrity in firms as driven by leadership, strategy, policies and
culture
• Target SMEs: Up to 300 employees (as used in WB Enterprise Surveys)
• Summary Actions in Prototype presented in Workshops
LEVEL 1: Foundation
• Crafting firm strategy with integrity objectives as an element
• Creating an integrity policy and taking actions to resist corruption
• Maintaining good internal systems and controls
• Improving corporate governance of an SME
LEVEL 2: Demonstration
• Benchmarking against other firms
• Communicating firm’s integrity approach through media, annual reports, CSR reporting
• Auditing and external certification of integrity program
LEVEL 3: Collective Action
• Creating alliances for integrity pacts, certifying business coalitions and principle-based
initiatives
• Executing change by way of private-public dialogue
3
4. Findings: Internal and External
Issues in Poor SME Integrity Performance
SMEs as participant/suppliers of SMEs as victims of integrity
integrity failures (Internal Issues): failures (External Issues)
•Lack of transparency to their bankers •Public procurement corruption
•Poor tax compliance •Extortion in customs and
•Multiple financial records licensing
•Strategic objectives that encourage graft •Police pressure
•Poor ethical tone set by leadership •Other public governance
failures
•Participation in bribery
• “touch-point
•Poor segregation of duties opportunities”
•Weak collective action capability
• Governance challenges
• Lack of compliance audits
4
5. How can IFC help?
• An SME Integrity Performance Program to help SMEs achieve improved economic outcomes
and access to finance by enhancing their integrity and governance performance
• Activities at Three Levels & Supporting Work
Level 1
• Work with owners, boards and senior managers to build ethical leadership and practices
• Work on internal controls and financial reporting
• Work on credit rating enhancement by integrity improvements (using software as
needed)
• Co-ordination with SME toolkit programs
Level 2
• Aid reputation risk management
• Guide on media relationships, case studies to communicate integrity improvements
Level 3
• Build collective approaches with strong governance structures
• Aid with auditing and monitoring compliance mechanism with agreements
• Guide on using social pressure and media for compliance and collective action
• Supported by investment climate and other reforms to reduce the government
5
“touch-points” that cause pressure on SME integrity
6. SME Integrity & Governance: Should the IFC engage?
• Weak integrity has significant financial impact for SMEs
Higher operating costs for SMEs
• SMEs spend up to 33% to 49% of revenue on bribes to public officials
according to WB/EBRD Enterprise Survey
• Often low value obtained even after paying bribe
• SME pay more for good talent due to poor reputation and corrupt practices
• Engagement is consistent with IFC’s role in private sector development
Corruption is a difficult perennial issue
• IDG # 3: Access to financing for SMEs
Bankers in the workshops complained about lack of transparency and accountability
• SMEs and Job Creation
SMEs role in job creation is more important due to rising unemployment among
youth and aging population working longer
• G20/B20
Responsiveness to supply chain requirements for SMEs from B20 firms
6
7. IFC & SME Performance:
An Opportunity to Lead
• Among DFIs, one of the largest (and growing) portfolio of SME banking
(debt & equity) relationships
We have access to portfolio of SME clients as base population
We have a “carrot” because of our funding ability
• We have expertise in internal strengthening in related areas such as
corporate governance
• We have expertise in external reforms through investment climate work
• We can co-ordinate with the GAC efforts
• We should aspire to leadership rather than allow IFC to be the laggard
IDB Integrity Program
• Pilot ongoing but lacks investment climate work
EBRD
• Joined us in two workshops
7
8. Essential Elements for Success of an
IFC SME Integrity Performance Program
• Integrity performance must be framed as a financial “bottom line”
issue
• Financial benefits to SMEs must be clear and credible
When SMEs do not participate in corruption and bribery they
face immediate costs
• May be sufficient to undermine their viability
• SMEs do not have much negotiating power when pressured
– Collective action will help mitigate cost to individual
firms
• Can we encourage integrity performance by helping in some
way?
– SME Integrity Fund? (Donor funded?)
– Interest rate adjustments/rebates for integrity performers
8
9. Essential Elements for Success of an
IFC SME Integrity Performance Program
• Integrity performance must be framed as a financial “bottom line” issue
• Working with our bank clients & their SME units/officers
Economic benefit to participating banks
Agree with Investment Department on basis of contact
• Must engage at time of investing (with investment teams)
As an additionality: providing development impact
• Emphasis on effective internal work by and with SMEs
Medium-sized firms: higher impact from visibility and sustainability
Micro-firms – often temporary life
• Benefit from complementary public governance and regulatory reforms
Investment climate/GAC reforms
Impact beyond SMEs
• Cross-SME work within SME communities
Collective action training
• Core program personnel as IFC staff
9
10. Outline of Activities in a SME Integrity Program
Engage with investment officers & client banks
Work with banks on SME credit rating models
Work internally with SMEs’ boards and managers
Work internally with SMEs on risk ratings & financial
reporting
Work with SME Toolkit trainers for groups of smaller firms
Work with SMEs on collaborative relationships with B20 on
integrity performance
Work with SMEs on public-private dialogue & collective actions
Work on external public governance and regulatory issues
10
11. Outline of Structure & Budget
• Pilot Region: Europe, Central Asia, Middle East and North Africa (52 countries)
Need to identify country focus based on SME banking relationships
Some political stability and adequate number of SMEs of viable size
1 from ECA & 1 from MENA?
• Funding Source: IFC FMTASS
Core of full IFC staff, Mix of international and local staff
• Budget FY13-FY16:
Separate Budget for internal vs. external work
Comparables for CG Advisory Programs (Internal focus)
• ECA program: US$6.5M
• East Asia: US$14.6M
• MENA: US$7.25M
• Donors: B20, Korean and Japanese Governments
• Collaborators: WBI, OECD, UNIDO, CIPE, EBRD, IIC
• Hosting Department: CES, IC, GFM , SBA, Joint Program?
• Successful Model to Learn From: Women in Business Program?
11
12. Outline of Deliverables
• Year 1
SME Toolkit Integrity Module (Dec 2012)
Agreement on engagement basis among IFC departments (GFM, IC, CES etc)
Secure funding and formalize collaborations
Confirm pilot country (s), secure buy-in from managers and bank clients
Identify and onboard staff
Develop tools, training for select group of SMEs in pilot program
Establish IFC presence in this space with G20/B20 and DFI community
• Year 2
Expand beyond initial SME pilots
Start SME graduations to financial incentive programs
Communicate successes for SMEs and for IFC (case studies, publications)
Roll-out software for integrity based risk rating module for banks and SMEs
Train-the -trainers programs for smaller SMEs
Establish collaborative relationships with B20
• Year 3
New countries/regions and new banking relationships 12
13. Issues & Questions
•Is this a true opportunity? Is it important for IFC?
Are we under-represented in the SME Integrity space?
What are the implications if we do not get into the SME Integrity space?
•Is tackling corruption too ambitious an activity?
•Can IFC lead in the SME Integrity arena?
•Do we focus on internal or external work? Can we
effectively do one without the other?
•Implications for staffing and resources
What is the appetite?
What is the funding level available?
Are donors interested?
•Where do we start?
Pilot in EMENA 13