Kiva.org provides concise summaries of entrepreneurs seeking small business loans in developing countries. Individual online lenders can provide small loans, which are aggregated and distributed through microfinance partners. This allows entrepreneurs access to affordable capital. Kiva aims to connect more entrepreneurs with supportive lenders to help alleviate capital constraints that limit small business growth.
Changes in Venture Capital & Building 500 Startups (Sao Paulo, Sept 2013)Dave McClure
slides from my talk at Brazil Innovators startup conference in Sao Paulo (Sept 2013) on changes in the venture capital industry, and how we built 500 Startups.
Changes in Venture Capital & Building 500 Startups (Sao Paulo, Sept 2013)Dave McClure
slides from my talk at Brazil Innovators startup conference in Sao Paulo (Sept 2013) on changes in the venture capital industry, and how we built 500 Startups.
The Lean VC: a Silicon Valley 2.0 StoryDave McClure
Slides from my talk about changes happening in the venture capital & angel investing industry, from the GROW Conference, Vancouver, Canada (August 2010).
The Lean VC: a Silicon Valley 2.0 StoryDave McClure
Slides from my talk about changes happening in the venture capital & angel investing industry, from the GROW Conference, Vancouver, Canada (August 2010).
डेक्कन हैल्थ क्रुसेड का मुख्य लक्ष्य इन सूक्ष्म पोषक तत्वों की कमी Micronutrient Deficiencies (MNDs) को दूर कर हमें स्वस्थ जीवन प्रदान करना है।
डेक्कन हैल्थ क्रुसेड की गतिविधियां शिक्षा, समुदाय और पोषण पर केंद्रित है।
Non-wage income is a big component of total income in America, yet is almost never analyzed in terms of inequality and discrimination. Here we use the Tobit method to determine the likelihood of a person earning Non-Wage income.
PAY2YOU — онлайн-сервіс грошових переказів.
1. Як зробити комунікаційні канали транзакційними та створити додаткову цінність для партнера.
2. Які продукти пропонує PAY2YOU для досягнення таких цілей?
3. Орієнтація роботи PAY2YOU зі своїми партнерами за принципом agile.
À escala Europeia dá-se grande relevo ao crescimento económico, mas este precisa de se demonstrar compatível com o Desenvolvimento Sustentável. O modelo proposto que denominamos “Prosperidade Renovável” pode ser a fórmula poderosa de transformação do meio edificado, que permitirá que este se torne um verdadeiro suporte para a qualidade de vida das pessoas e para uma prosperidade alargada e inclusiva das sociedades. O enfoque deste Seminário está na demonstração das oportunidades de intervenção no meio edificado, que contribuem para a prosperidade económica, ambiental e social e, simultaneamente, para uma franca melhoria do desempenho energético ambiental dos edifícios.
Os Seminários são dirigido a todos os decisores que influenciam a qualidade de construção do meio edificado.
p2p microfinance presentation before Kivaguestc0a771
I now work at Kiva, but thought that I would post up an early deck on the p2p microfinance concept I was developing while at PayPal in late 2004 and 2005. I eventually left PayPal to join Kiva in early 2006, but in case my hard drive crashes, wanted to make sure this presentation made it! Good bit of nostalgia.
p2p microfinance concept that I was working on before joining KivaPremal Shah
In late 2004 and 2005, while working at PayPal, I was working on a p2p microfinance concept with another partner. I later joined Kiva as President but there's a good bit of nostalgia and wisdom in this presentation around p2p microfinance -- a lot of which Kiva has implemented today. :)
Alternative lending options have grown rapidly over the past 10 years. This deck offers an overview of digital credit and key takeaways from contexts around the world.
Lending Circles demonstrate the ingenuity and resilience of communities that are outside of mainstream banking. Lending Circles have long been used in different communities across the world as an alternative way to support savings or provide an emergency reserve to meet community needs. Here in the US, lending circles are beginning to receive more and more attention as a tool that works for a range of communities. Join us to learn how Lending Circles work and hear from organizations in the Pacific Northwest that have started Lending Circles.
Mohan Kanungo, Mission Assets Fund
Gabriel Muro, The Next Door
Moderator: Lynne McConnell, Neighbor Impact
How to VC: Creating a VC fund portfolio modelDave McClure
This article aims to help VCs figure out how to size a venture capital fund, how many companies to include in your portfolio, and when and how to do follow-on investments. Most VCs aim to make a 3X (net) return on initial fund capital, at a ~20% net IRR. Note however, likely less than 10% of most VC funds achieve that goal.
Basic concepts of marketing and branding for venture capital. Emphasis on competitive differentiation (aka "How are you different/better than other VCs in your category?"). Specific focus on defining areas of "value add" that aren't BS.
How to define and position your VC brand to attract funding and dealflow.
* note: more recent updated version below:
https://www.slideshare.net/dmc500hats/branding-strategies-for-better-dealflow-and-fundraising-aka-the-helpful-vc
Dinosaurs vs Unicorns aka "Bubble My Ass, All Dinosaurs Gonna Die" (London, J...Dave McClure
my talk on corporate innovation (or the lack thereof), the death of many dinosaurs, the survival of a smart few Raptors, and how to avoid getting trampled by Unicorns.
RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
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Digital Transformation and IT Strategy Toolkit and TemplatesAurelien Domont, MBA
This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
Editable Toolkit to help you reuse our content: 700 Powerpoint slides | 35 Excel sheets | 84 minutes of Video training
This PowerPoint presentation is only a small preview of our Toolkits. For more details, visit www.domontconsulting.com
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.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
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➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
Attending a job Interview for B1 and B2 Englsih learnersErika906060
It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
Business Valuation Principles for EntrepreneursBen Wann
This insightful presentation is designed to equip entrepreneurs with the essential knowledge and tools needed to accurately value their businesses. Understanding business valuation is crucial for making informed decisions, whether you're seeking investment, planning to sell, or simply want to gauge your company's worth.
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
The Parable of the Pipeline a book every new businessman or business student ...
Kiva.org Microfinance - SVMN.net mtg 2007-09-10
1. Kiva.org Overview Silicon Valley Microfinance Network Sept 2007 Premal Shah [email_address] "Revolutionising how donors and lenders in the US are connecting with small entrepreneurs in developing countries”
2. Internet Lender Online marketplace Local Field Partner (Microfinance Institution) Developing World Entrepreneur Low interest loans Transparency of impact What is Kiva? Online marketplace connecting social investors to MFIs and their clients
3.
4. Costing out Kiva’s debt capital Interest Rate Kiva Charges Cost of staff time to post client data Write Off Rate F/X Hedging Cost Total Cost of Kiva Capital 0% 0.2% - 2% 1.3% Varies ~0 - 1% Excluding F/X risk Kiva passes 100% of the funds lent via social investors online. Kiva supports its low cost internet operations by charging social investors optional fees. Kiva has been a financially self sufficient 501c3 U.S. non-profit organization since November 2006. Based on time study data of MFIs using Kiva, the cost of staff time to post and maintain each client profile on Kiva.org ranges from < $1 USD to $10 USD. The average Kiva loan raised per client profile is $500USD – putting the average cost as a factor of the debt capital raised on Kiva to around 0.2% - 2%. According to the MIcroBanking Bulletin, the average write off ratio for all MFIs listed on the MIX is 1.3% in 2005. This number is subtracted from the cost equation since Kiva social investors bear default risk / all MFI write offs. Kiva’s loans are in U.S. dollars and Kiva’s policy is for MFIs to manage the currency risk. The cost of hedging short term loans varies by context and many MFIs simply do not hedge given the large savings spread by using Kiva. For most MFIs, Kiva represents the cheapest U.S. dollar debt capital source available. Comments:
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6. Early Results: Strong base of early supporters Free payment processing and employee support 120 Million free banner impressions Free Google Adwords – 25% of traffic Free Yahoo Search Marketing and employee support Free promotion (Community Impact Award) Funding for Field Research and Development Free phones for cell based data upload pilot Free promotion of Kiva widget to bloggers Early Funder Early Funder Featured Organization Free computers and early funder
7. Early Results: Strong adoption with local field partners Nicaragua Honduras Togo Senegal Bulgaria Gaza Uganda Kenya Tanzania Cambodia Samoa Mexico Ecuador Nigeria Ghana Moldova Mozambique Ukraine Afghanistan Congo Indonesia Azerbaijan Cameroon Tajikistan Bolivia Haiti Dominican Republic Vietnam Iraq Nepal Chad Paraguay Guatemala Sierra Leone Cote’ D’Ivoire 67 microfinance institutions from 40 countries have joined Kiva in less than 2 years
8.
9. The problem Kiva attempts to solve: Less established MFIs have a hard time access capital 1. CGAP, Microcredit Summit Campaign and UN Population Division data 2. BlueOrchard website; Microcredit Summit Campaign data, 2006 3. CGAP and Microfinance Information Exchange survey of 191 MFIs ranked “Lack of funding” as the biggest constraint to growth, with biggest barrier to funding being “not enough contact with social investors / donors”. Borrowers (millions) Est. # of borrowers in need Est. # of borrowers reached 80% of the demand is still not met… … expansion within the ‘long tail’ of small MFIs requires access to more low cost risk capital 500M 100M Microfinance Demand vs. Supply MFIs by # of Borrowers Reached # of MFIs worldwide = 10,000 1 2 3
15. How Kiva Works (1 of 6) $ MFI Client MFI approves client and disburses loan with no change to MFI’s processes MFI charges same interest rate as usual. Approve & Disburse Loan Post client data on Kiva Receive 0% interest bulk loan from Kiva Reporting: Note the delinquencies + final impact Repayment: Deducted from new loans Social Investor "fund" client profiles
16.
17. How Kiva Works (3 of 6) Average time to 100% funding = 1.5 days $ $ $ Approve & Disburse Loan Post client data on Kiva Receive 0% interest bulk loan from Kiva Reporting: Note the delinquencies + final impact Repayment: Deducted from new loans Kiva Lender funds profile
18. How Kiva Works (4 of 6) $ $ $ $ Approve & Disburse Loan Post client data on Kiva Receive 0% interest bulk loan from Kiva Reporting: Note the delinquencies + final impact Repayment: Deducted from new loans Social Investor "fund" client profiles Kiva aggregates 0% interest USD loan capital and wires it monthly to MFI
19. How Kiva Works (5 of 6) 1. During the loan term MFI reports only delinquencies 2. At the end of loan term MFI must provide a loan impact summary On time collection auto-reported to lenders On time collection auto-reported to lenders Delinquent – manual report required Approve & Disburse Loan Post client data on Kiva Receive 0% interest bulk loan from Kiva Reporting: Note the delinquencies + final impact Repayment: Deducted from new loans Social Investor "fund" client profiles
20. How Kiva Works (6 of 6) $ $ $ $ $ Kiva automatically deducts repayments owed from new loans each month Approve & Disburse Loan Post client data on Kiva Receive 0% interest bulk loan from Kiva Reporting: Note the delinquencies + final impact Repayment: Deducted from new loans Social Investor "fund" client profiles
21. MFI adoption of Kiva driven by cost savings 10% 18% 10% 0% 2% 4% 6% 9% 11% 13% 15% 17% Prisma – Honduras WEEC - Kenya CREDIT (World Relief) - Cambodia Industry Average 10% 8% Kiva Kiva’s is much less expensive than alternative capital sources for MFIs 0% Cost of Capital Comparison Total Cost of Kiva Capital = [Financial Cost] + [Cost of Staff Time] + [F/X risk] – [Write Off rate]
22. 5 Year Performance and Financial Projections 5 year estimates Total Loans to the Poor: Total Lenders: Year 1 5 Revenue Take Rate Sustainable Break-Even Year: Donor Capital Needed to Break Even: 5 Yr Leverage Ratio*: * Leverage Ratio = The total loans raised on Kiva’s internet platform for every $1 in donor capital needed to operate the platform. Once break even is reached, leverage ratio becomes infinite. Worst Case $49M 281K 6% 17% Est. 2014 $10-15M 3 : 1 Base Case $130M 573K 8% 18% 2009 $5M 26 : 1 Best Case $278M 974K 10% 20% 2008 $1.5M 185 : 1
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24. Leadership Management Team Matt Flannery | Co-founder & CEO* Matt is a former TiVo engineer with experience in website design and usability. He graduated with a BS in Symbolic Systems and a Masters in Analytical Philosophy from Stanford University. Premal Shah | President* Premal is a 6 year PayPal veteran and spent his last year researching technology and microfinance. He previously worked at Mercer Management Consulting in New York and has a B.A. from Stanford. Olana Khan | Chief Operating Officer Olana is a 6 year Google veteran who led the scaling of their international sales support operations. She previously worked at AOL, Netscape and the Economist and holds a B.A. from Univ. Michigan. Board of Directors Reid Hoffman | Co-founder & CEO, LinkedIn Named one of the “Top 50 People Who Matter” by CNN Money (Reid was #22, Bill Gates was #21, Oprah was #37), Reid has invested / provided board insight to many successful ‘Web 2.0’ companies. Geoff Davis | President and CEO, Unitus Geoff helps run Unitus, one of the most respected organizations in microfinance. He was an early employee at the Grameen Foundation USA and has worked in microfinance worldwide since 1995. Jenny Schilling Stein | Executive Director, Draper Richards Foundation As a recognized leader in the Foundation / Social Entrepreneurship community, Jenny sits on the Board of several of the world’s most innovative non-profits. She received her MBA from Stanford. Jessica Flannery | Co-founder, Kiva As Kiva’s co-founder, Jessica has worked in rural Kenya, Tanzania, and Uganda with Village Enterprise Fund. Jessica is currently pursuing an MBA at the Stanford Graduate School of Business. Tabreez Verjee | Founding Partner, Global Asset Capital Tabreez is a founding partner of Global Asset Capital, a firm managing over $500 million in assets. He is an accomplished investor and repeat entrepreneur and started his career at Bain & Company. Alex Edelstein | CEO, Gemstone Development Alex has held key roles at Netscape, Microsoft and Inktomi and has invested early in Google, TellMe and Shopping,com. He is the first outside funder of Kiva.org. Alex received a B.A. from Harvard. Team Background * Matt Flannery and Premal Shah also serve on Kiva’s Board.
25. Early Results: Strong accolades in the press and +10,000 blogs "If you've got 25 bucks, a PC and a PayPal account , you've now got the wherewithal to be an international financier ." " Revolutionizing how donors and lenders in the US are connecting with small entrepreneurs in developing countries” “ Innovation of the week : Kiva.org uses smart design to make a little cash go a long way.” “ You too can have a big impact with a small amount of money ." 2006 Year in Ideas Issue : “At Kiva.org, a schoolteacher in Kansas can partner with a seamstress in Kenya to jump-start a tailor shop.