Financing agreement between IFAD and the Socialist Republic of Viet Nam. 25 February 2011.
Project Title: Agriculture, Farmers and Rural Areas Support Project in the Gia Lai, Ninh Thuan and Tuyen Quang Provinces (TNSP).
1. Who are foreign investors?
2. What must a foreign investor do?
3. What must a foreign investor not do?
4. Making the investment
5. Appointment of a transaction representative
6. Engaging a local fund manager
7. Reporting
8. What's missing? (Fee, Tax)
151411 acv IPO slide eng (Airports Corporation of Vietnam) IPO by BSCLong Tran
Airports Corporation of Vietnam – JSC (abbreviated as ACV) is a joint stock company operating in the form of parent company – subsidiaries. The company was converted from single-member limited liability Company with 100% State-owned charter capital to a joint-stock company with State-owned controlling stakes pursuant to Decision No.1710/QD-TTg dated 06th October, 2015 of the Prime Minister regarding the approval of equitization plan of parent company - Airports Corporation of Vietnam.
Airports Corporation of Vietnam is operating under parent company – subsidiaries model, managing 22 airports nationwide, of which 7 are international airports: Tan Son Nhat, Noi Bai, Da Nang, Phu Bai, Cam Ranh, Phu Quoc, Can Tho, and 15 are domestic: Buon Ma Thuot, Lien Khuong, Rach Gia, Ca Mau, Con Dao, Phu Cat, Pleiku, Tuy Hoa, Chu Lai, Dong Hoi, Vinh, Cat Bi, Tho Xuan, Dien Bien and Na San; and also providing capital contribution to subsidiaries, joint-venture companies and affiliates.
ACV’s charter capital is 21,771,732,360,000 VND, equivalent to 2,177,173,236 stocks with nominal value of 10,000VND/stock, in which the State holds 95.4% shares, other shareholders hold 4.6%.
This document discusses social investment and social enterprises in Vietnam. It provides an overview of different types of social organizations in Vietnam, including self-identified social enterprises, NGOs, community-based organizations, cooperatives, and associations. It also discusses trends in social enterprise development, capital needs and challenges in raising capital. The key organizations supporting social enterprises in Vietnam are identified as donors, venture philanthropy funds, impact investors, philanthropists, and corporates. However, there are still many challenges to connecting social enterprises to capital, including small deal sizes, lack of impact measurement, and limited capital targeting social enterprises in Vietnam.
This document provides an overview of taxation and customs duties in Vietnam. It discusses key taxes such as corporate income tax, value added tax, special sales tax, natural resources tax, personal income tax, and land and housing tax. It also examines the impact of double taxation agreements and outlines important reforms to Vietnam's tax system following its entry into the World Trade Organization. The document is intended to guide foreign investors and suppliers on taxation in Vietnam.
This document is Oliver Massmann's 13th revised edition of his investment guide for Vietnam. It provides an overview of Vietnam's economy, infrastructure developments, forms of investment, and tax laws. The guide is split into several volumes, with this first volume covering general legal and economic overviews, and subsequent volumes covering specialized topics like taxes, customs, and industry-specific information. Massmann has extensive experience advising German and other foreign investors on commercial and investment law in both Germany and Vietnam.
The document discusses opportunities for healthcare sector investment and public-private partnership (PPP) hospital projects in Vietnam. It notes Vietnam's growing healthcare market and need for investment in medical infrastructure. PPP projects are an allowed investment model, with criteria including large-scale, economically viable projects that take advantage of private sector expertise. The document also reviews regulations related to importing medical devices and procurement of medical supplies through public tenders.
1. Who are foreign investors?
2. What must a foreign investor do?
3. What must a foreign investor not do?
4. Making the investment
5. Appointment of a transaction representative
6. Engaging a local fund manager
7. Reporting
8. What's missing? (Fee, Tax)
151411 acv IPO slide eng (Airports Corporation of Vietnam) IPO by BSCLong Tran
Airports Corporation of Vietnam – JSC (abbreviated as ACV) is a joint stock company operating in the form of parent company – subsidiaries. The company was converted from single-member limited liability Company with 100% State-owned charter capital to a joint-stock company with State-owned controlling stakes pursuant to Decision No.1710/QD-TTg dated 06th October, 2015 of the Prime Minister regarding the approval of equitization plan of parent company - Airports Corporation of Vietnam.
Airports Corporation of Vietnam is operating under parent company – subsidiaries model, managing 22 airports nationwide, of which 7 are international airports: Tan Son Nhat, Noi Bai, Da Nang, Phu Bai, Cam Ranh, Phu Quoc, Can Tho, and 15 are domestic: Buon Ma Thuot, Lien Khuong, Rach Gia, Ca Mau, Con Dao, Phu Cat, Pleiku, Tuy Hoa, Chu Lai, Dong Hoi, Vinh, Cat Bi, Tho Xuan, Dien Bien and Na San; and also providing capital contribution to subsidiaries, joint-venture companies and affiliates.
ACV’s charter capital is 21,771,732,360,000 VND, equivalent to 2,177,173,236 stocks with nominal value of 10,000VND/stock, in which the State holds 95.4% shares, other shareholders hold 4.6%.
This document discusses social investment and social enterprises in Vietnam. It provides an overview of different types of social organizations in Vietnam, including self-identified social enterprises, NGOs, community-based organizations, cooperatives, and associations. It also discusses trends in social enterprise development, capital needs and challenges in raising capital. The key organizations supporting social enterprises in Vietnam are identified as donors, venture philanthropy funds, impact investors, philanthropists, and corporates. However, there are still many challenges to connecting social enterprises to capital, including small deal sizes, lack of impact measurement, and limited capital targeting social enterprises in Vietnam.
This document provides an overview of taxation and customs duties in Vietnam. It discusses key taxes such as corporate income tax, value added tax, special sales tax, natural resources tax, personal income tax, and land and housing tax. It also examines the impact of double taxation agreements and outlines important reforms to Vietnam's tax system following its entry into the World Trade Organization. The document is intended to guide foreign investors and suppliers on taxation in Vietnam.
This document is Oliver Massmann's 13th revised edition of his investment guide for Vietnam. It provides an overview of Vietnam's economy, infrastructure developments, forms of investment, and tax laws. The guide is split into several volumes, with this first volume covering general legal and economic overviews, and subsequent volumes covering specialized topics like taxes, customs, and industry-specific information. Massmann has extensive experience advising German and other foreign investors on commercial and investment law in both Germany and Vietnam.
The document discusses opportunities for healthcare sector investment and public-private partnership (PPP) hospital projects in Vietnam. It notes Vietnam's growing healthcare market and need for investment in medical infrastructure. PPP projects are an allowed investment model, with criteria including large-scale, economically viable projects that take advantage of private sector expertise. The document also reviews regulations related to importing medical devices and procurement of medical supplies through public tenders.
Oliver Massmann - Investing in Solar Energy in Vietnam - How to do it right?Dr. Oliver Massmann
The document discusses investing in solar energy projects in Vietnam. It outlines the potential for solar energy in Vietnam, noting the country receives 1400-3000 hours of sunshine per year. It summarizes the government's policies supporting renewable energy, including targets for solar power capacity of 850MW by 2020 and 12,000MW by 2030. It also provides recommendations for foreign investors, suggesting public-private partnerships and negotiating favorable power purchase agreements with the national utility, EVN.
Vietnam has taken steps to address money laundering risks through laws and regulations but its framework remains insufficient. Money laundering activities have been visible through various means like bank accounts and illegal currency transfers. Key directives include the 2012 Anti-Money Laundering Law and related decrees that establish regulators like the State Bank of Vietnam and require customer due diligence and record keeping by reporting entities. Violations of anti-money laundering laws can result in administrative or criminal penalties including imprisonment and asset forfeiture. Reporting entities must also implement internal anti-money laundering procedures and training.
The document discusses investment opportunities in Vietnam. It provides an overview of Vietnam's economy and growth rates in recent years. Vietnam has pursued many free trade agreements that have reduced restrictions and opened its markets. This integration into regional and global trade, combined with a young workforce and growing middle class, make Vietnam an attractive investment destination according to the document.
Successful business in Vietnam - What you must know and do :Dr. Oliver Massmann
This document provides advice and recommendations for foreign businesses looking to do business in Vietnam. It discusses benefits such as lower wages and production costs compared to other Asian countries. It emphasizes the importance of thoroughly researching the Vietnamese market and culture. The document recommends finding potential partners through online directories and ensuring any agreements are legally binding contracts. It also stresses the value of professional liability insurance and offshore dispute resolution for foreign investors due to ambiguities in Vietnamese law. Overall, it portrays opportunities in Vietnam while cautioning businesses to properly understand the legal and cultural landscape.
Vietnam has several key regulators and laws that govern the insurance industry. The Ministry of Finance regulates the insurance business and established the Insurance Supervisory Authority to directly govern insurance companies. Some of the main laws that regulate insurance include the Law on Insurance Business, Decree 73 guiding implementation of insurance laws, and Decree 98 on administrative sanctions. Insurance companies must comply with various capital reserve requirements like reserve funds, insurance reserves, and security deposits. Life insurers have specific legal capital requirements and qualifications for appointed actuaries. They are also limited to conducting only life insurance business.
The document discusses how startup entrepreneurs think and operate. It notes that startups like Airbnb and Uber were started due to identifying shortages or problems. It emphasizes that startups focus on providing customer benefit, eliminating waste, and creating value. It also highlights that startups operate with speed, embracing failure fast and pivoting quickly, with transparency and by breaking rules. Startups succeed by moving rapidly, with minimal processes and instead prioritizing speed above all else.
Hanoi, 26 – 28 September 2011. A training workshop titled Tools and Methodologies for Effective Knowledge Management, was co-organised by the International Fund for Agricultural Development (IFAD), the Rural Development Centre (RUDEC) and the Food and Agriculture Organisation (FAO) in Vietnam. Facilitated by Mr. Pham Vu Bang, a IFAD KM Officer from Mekong Delta’s Tra Vinh province, the workshop gathered Knowledge Management Officers from most of the IFAD-financed projects throughout Vietnam.
A short presentation given at a Knowledge Sharing workshop held in Hanoi, Vietnam, 26 – 28 September 2011.
The KS Tools and Methodologies for Effective Knowledge Management training workshop was co-organised by the International Fund for Agricultural Development (IFAD), the Rural Development Centre (RUDEC) and the Food and Agriculture Organisation (FAO) in Vietnam.
Community Driven Development and Gender Mainstreaming APMAS reportIFAD Vietnam
The Asian Project Management Support Programme (APMAS) CDD Report: Best Practices and Lessons Learned on Community Driven Development and Gender Mainstreaming from the APMAS training/workshops, Hanoi and Delhi, November/December 2010 (21 pages).
The Asian Project Management Support Programme (APMAS) aims to enhance capacity
of project managers in Vietnam, Cambodia, Laos and India to implement and effectively
manage gender sensitive, pro-poor rural development interventions, through training,
information access and innovation. Late 2010 MDF Indochina has implemented two 4-day
training programmes in Vietnam and India on Community Driven Development (CDD) and
Gender Mainstreaming, from which the below lessons were drawn. The report below is a
only a summary of highlights, as APMAS documented the events in full through pictures,
and also captured facts tools at its website.
Farmers organisations and quality chains in VietnamIFAD Vietnam
In all countries, demand for quality food is on the increase. Governments and multinationals are promulgating rules and standards regarding production conditions, inspections and certification. But smallholders often struggle to meet such conditions and to take advantage of these new opportunities.
Vietnam provides a good example of this issue. Demand for quality, safe and tasty food is rapidly increasing in domestic and international markets. Family farmers cultivating small areas – the vast majority of producers – cannot meet this demand adequately, despite active public policies in favour of quality. What can be done to remedy this situation?
Community Investment Funds - CIF Manual Cao BangIFAD Vietnam
Guideline on Implementing The Regulation on Decentralization and Management of Community Investment Funds (CIFs) in Cao Bang.
The “Developing Business with the Rural Poor (DBRP) in Cao Bang” project is designed to empower targeted communes and communities to propose their own socio-economic development plan in the light of “People know, People discuss, People do, People inspect and People benefit”. The government at all levels will provide support in procedures and finance, methods and experts for improving the local people’s and communes’ capacities. This creates the most fundamental element for sustainable development of rural economics and for poverty reduction as the project’s objectives.
Results Management System for IFAD supported country programmesIFAD Vietnam
International Fund For Agricultural Development (IFAD) Executive Board – Eightieth Session, Rome, 17-18 December 2003. Framework for a Results Management System for IFAD-supported country programmes.
Guidelines for Smallholder Access to Value Chains in VietnamIFAD Vietnam
Guidelines for smallholder access to high quality value chains in Vietnam. A handbook based on the Superchain experience (an IFAD/Malica project). Edited by Paule Moustier, CIRAD and Dao The Anh, CASRAD, Hanoi, 2009.
Vietnam Law on Tendering - Number 61 2005-QH11IFAD Vietnam
NATIONAL ASSEMBLY SOCIALIST REPUBLIC OF VIETNAM
No. 61-2005-QH11
LAW ON TENDERING
National Assembly of the Socialist Republic of Vietnam Legislature XI, Session 8 (from 18 October until 29 November 2005)
Project Procurement Guidelines
A. Background
1. Article 7, section 2(j) of the Agreement Establishing IFAD provides that the
Executive Board will adopt suitable regulations for procuring goods and services to
be financed from the resources of the Fund. These revised Procurement Guidelines
will apply to all projects and programmes financed from IFAD’s resources, and to
financing provided from supplementary funds unless otherwise agreed. They
replace the Procurement Guidelines adopted by the Executive Board in December 2004.
Procurement Guidelines
1. These Guidelines are intended to assist PI staff in handling procurement of Goods, Work and Consultancy Services in the context of IFAD Direct Supervision. It is a compendium of instructions, forms and checklists extracted from IFAD’s Guidelines for Supervision and Implementation Support.
It also draws from information distributed to IFAD staff during the Direct Supervision TrainingProgramme held at Casa San Bernardo during 2007/08.
Purpose and Use of the Handbook
This handbook further elaborates on the Procurement guidelines to be followed in the
procurement of goods, works and services under IFAD financed loans and grants and aims
at the followings:
• give advice and assistance to IFAD staff to help them carry out their own
procurement responsibility and to help IFAD Borrower/recipients/Recipients on
how to handle procurement actions using IFAD financing;
• provide detailed guidance for assessing the procurement capacity of the
borrower/recipient as would be required to implement the provisions made in
applying the Borrower/recipient’s procurement regulations, provided that they are
deemed to be consistent with IFAD’s guidelines as per the amendment of the
General Conditions in April 2009; and
• act as a principal reference in situations where it is deemed that
Borrower/recipient’s procurement systems are not acceptable or consistent with
IFAD Procurement guidelines.
Oliver Massmann - Investing in Solar Energy in Vietnam - How to do it right?Dr. Oliver Massmann
The document discusses investing in solar energy projects in Vietnam. It outlines the potential for solar energy in Vietnam, noting the country receives 1400-3000 hours of sunshine per year. It summarizes the government's policies supporting renewable energy, including targets for solar power capacity of 850MW by 2020 and 12,000MW by 2030. It also provides recommendations for foreign investors, suggesting public-private partnerships and negotiating favorable power purchase agreements with the national utility, EVN.
Vietnam has taken steps to address money laundering risks through laws and regulations but its framework remains insufficient. Money laundering activities have been visible through various means like bank accounts and illegal currency transfers. Key directives include the 2012 Anti-Money Laundering Law and related decrees that establish regulators like the State Bank of Vietnam and require customer due diligence and record keeping by reporting entities. Violations of anti-money laundering laws can result in administrative or criminal penalties including imprisonment and asset forfeiture. Reporting entities must also implement internal anti-money laundering procedures and training.
The document discusses investment opportunities in Vietnam. It provides an overview of Vietnam's economy and growth rates in recent years. Vietnam has pursued many free trade agreements that have reduced restrictions and opened its markets. This integration into regional and global trade, combined with a young workforce and growing middle class, make Vietnam an attractive investment destination according to the document.
Successful business in Vietnam - What you must know and do :Dr. Oliver Massmann
This document provides advice and recommendations for foreign businesses looking to do business in Vietnam. It discusses benefits such as lower wages and production costs compared to other Asian countries. It emphasizes the importance of thoroughly researching the Vietnamese market and culture. The document recommends finding potential partners through online directories and ensuring any agreements are legally binding contracts. It also stresses the value of professional liability insurance and offshore dispute resolution for foreign investors due to ambiguities in Vietnamese law. Overall, it portrays opportunities in Vietnam while cautioning businesses to properly understand the legal and cultural landscape.
Vietnam has several key regulators and laws that govern the insurance industry. The Ministry of Finance regulates the insurance business and established the Insurance Supervisory Authority to directly govern insurance companies. Some of the main laws that regulate insurance include the Law on Insurance Business, Decree 73 guiding implementation of insurance laws, and Decree 98 on administrative sanctions. Insurance companies must comply with various capital reserve requirements like reserve funds, insurance reserves, and security deposits. Life insurers have specific legal capital requirements and qualifications for appointed actuaries. They are also limited to conducting only life insurance business.
The document discusses how startup entrepreneurs think and operate. It notes that startups like Airbnb and Uber were started due to identifying shortages or problems. It emphasizes that startups focus on providing customer benefit, eliminating waste, and creating value. It also highlights that startups operate with speed, embracing failure fast and pivoting quickly, with transparency and by breaking rules. Startups succeed by moving rapidly, with minimal processes and instead prioritizing speed above all else.
Hanoi, 26 – 28 September 2011. A training workshop titled Tools and Methodologies for Effective Knowledge Management, was co-organised by the International Fund for Agricultural Development (IFAD), the Rural Development Centre (RUDEC) and the Food and Agriculture Organisation (FAO) in Vietnam. Facilitated by Mr. Pham Vu Bang, a IFAD KM Officer from Mekong Delta’s Tra Vinh province, the workshop gathered Knowledge Management Officers from most of the IFAD-financed projects throughout Vietnam.
A short presentation given at a Knowledge Sharing workshop held in Hanoi, Vietnam, 26 – 28 September 2011.
The KS Tools and Methodologies for Effective Knowledge Management training workshop was co-organised by the International Fund for Agricultural Development (IFAD), the Rural Development Centre (RUDEC) and the Food and Agriculture Organisation (FAO) in Vietnam.
Community Driven Development and Gender Mainstreaming APMAS reportIFAD Vietnam
The Asian Project Management Support Programme (APMAS) CDD Report: Best Practices and Lessons Learned on Community Driven Development and Gender Mainstreaming from the APMAS training/workshops, Hanoi and Delhi, November/December 2010 (21 pages).
The Asian Project Management Support Programme (APMAS) aims to enhance capacity
of project managers in Vietnam, Cambodia, Laos and India to implement and effectively
manage gender sensitive, pro-poor rural development interventions, through training,
information access and innovation. Late 2010 MDF Indochina has implemented two 4-day
training programmes in Vietnam and India on Community Driven Development (CDD) and
Gender Mainstreaming, from which the below lessons were drawn. The report below is a
only a summary of highlights, as APMAS documented the events in full through pictures,
and also captured facts tools at its website.
Farmers organisations and quality chains in VietnamIFAD Vietnam
In all countries, demand for quality food is on the increase. Governments and multinationals are promulgating rules and standards regarding production conditions, inspections and certification. But smallholders often struggle to meet such conditions and to take advantage of these new opportunities.
Vietnam provides a good example of this issue. Demand for quality, safe and tasty food is rapidly increasing in domestic and international markets. Family farmers cultivating small areas – the vast majority of producers – cannot meet this demand adequately, despite active public policies in favour of quality. What can be done to remedy this situation?
Community Investment Funds - CIF Manual Cao BangIFAD Vietnam
Guideline on Implementing The Regulation on Decentralization and Management of Community Investment Funds (CIFs) in Cao Bang.
The “Developing Business with the Rural Poor (DBRP) in Cao Bang” project is designed to empower targeted communes and communities to propose their own socio-economic development plan in the light of “People know, People discuss, People do, People inspect and People benefit”. The government at all levels will provide support in procedures and finance, methods and experts for improving the local people’s and communes’ capacities. This creates the most fundamental element for sustainable development of rural economics and for poverty reduction as the project’s objectives.
Results Management System for IFAD supported country programmesIFAD Vietnam
International Fund For Agricultural Development (IFAD) Executive Board – Eightieth Session, Rome, 17-18 December 2003. Framework for a Results Management System for IFAD-supported country programmes.
Guidelines for Smallholder Access to Value Chains in VietnamIFAD Vietnam
Guidelines for smallholder access to high quality value chains in Vietnam. A handbook based on the Superchain experience (an IFAD/Malica project). Edited by Paule Moustier, CIRAD and Dao The Anh, CASRAD, Hanoi, 2009.
Vietnam Law on Tendering - Number 61 2005-QH11IFAD Vietnam
NATIONAL ASSEMBLY SOCIALIST REPUBLIC OF VIETNAM
No. 61-2005-QH11
LAW ON TENDERING
National Assembly of the Socialist Republic of Vietnam Legislature XI, Session 8 (from 18 October until 29 November 2005)
Project Procurement Guidelines
A. Background
1. Article 7, section 2(j) of the Agreement Establishing IFAD provides that the
Executive Board will adopt suitable regulations for procuring goods and services to
be financed from the resources of the Fund. These revised Procurement Guidelines
will apply to all projects and programmes financed from IFAD’s resources, and to
financing provided from supplementary funds unless otherwise agreed. They
replace the Procurement Guidelines adopted by the Executive Board in December 2004.
Procurement Guidelines
1. These Guidelines are intended to assist PI staff in handling procurement of Goods, Work and Consultancy Services in the context of IFAD Direct Supervision. It is a compendium of instructions, forms and checklists extracted from IFAD’s Guidelines for Supervision and Implementation Support.
It also draws from information distributed to IFAD staff during the Direct Supervision TrainingProgramme held at Casa San Bernardo during 2007/08.
Purpose and Use of the Handbook
This handbook further elaborates on the Procurement guidelines to be followed in the
procurement of goods, works and services under IFAD financed loans and grants and aims
at the followings:
• give advice and assistance to IFAD staff to help them carry out their own
procurement responsibility and to help IFAD Borrower/recipients/Recipients on
how to handle procurement actions using IFAD financing;
• provide detailed guidance for assessing the procurement capacity of the
borrower/recipient as would be required to implement the provisions made in
applying the Borrower/recipient’s procurement regulations, provided that they are
deemed to be consistent with IFAD’s guidelines as per the amendment of the
General Conditions in April 2009; and
• act as a principal reference in situations where it is deemed that
Borrower/recipient’s procurement systems are not acceptable or consistent with
IFAD Procurement guidelines.
The document describes a programme in Tra Vinh Province, Vietnam that aims to help rural poor people overcome poverty by improving their participation in markets. The programme will work in 30 communes, targeting food insecure households, vulnerable households, and relatively better off households. It will support local development planning, strengthen producer organizations, promote market-oriented agriculture, and improve job training and market linkages. The expected $18 million program is funded by IFAD, Germany, and the Vietnamese government and aims to raise incomes for rural residents through new jobs, business opportunities, and agricultural intensification.
The document summarizes a development programme in Quang Binh Province, Vietnam. The programme aims to improve socioeconomic conditions for poor households, with an emphasis on community-driven development and gender equality. It will target the poorest communities in four districts, helping to improve food security, infrastructure, and natural resource management. The programme is funded by IFAD, Norway, Vietnam, and beneficiary contributions, with a total cost of $18.3 million. It has already built infrastructure and irrigation systems, increasing crop yields and food security.
The document summarizes an IFAD project in Ninh Thuan Province, Vietnam. The province has high levels of poverty and food insecurity due to drought, poor soils, and reliance on forest resources by the ethnic Raglai people. The project aims to increase incomes and quality of life for rural and ethnic minority households by promoting higher-value crop production and linkages to markets. It will target 9,000 poor households across 27 communes. Activities include strengthening local institutions, developing value chains for crops, and supporting commune development planning. The $17.2 million project is funded mainly by an IFAD loan with contributions from the Vietnamese government and beneficiaries.
The document summarizes a program called IMPP in Ha Tinh province, Vietnam. The program aims to improve market participation and incomes for poor rural residents. It will do so by strengthening agricultural producers and market linkages, providing job training, and facilitating financing. The program will benefit participants through new jobs, income from intensified farming or microenterprises, and investment in local businesses. It is funded through loans from IFAD and other partners.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
Enhancing Asset Quality: Strategies for Financial Institutionsshruti1menon2
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...mayaclinic18
Whatsapp (+971581248768) Buy Abortion Pills In Dubai/ Qatar/Kuwait/Doha/Abu Dhabi/Alain/RAK City/Satwa/Al Ain/Abortion Pills For Sale In Qatar, Doha. Abu az Zuluf. Abu Thaylah. Ad Dawhah al Jadidah. Al Arish, Al Bida ash Sharqiyah, Al Ghanim, Al Ghuwariyah, Qatari, Abu Dhabi, Dubai.. WHATSAPP +971)581248768 Abortion Pills / Cytotec Tablets Available in Dubai, Sharjah, Abudhabi, Ajman, Alain, Fujeira, Ras Al Khaima, Umm Al Quwain., UAE, buy cytotec in Dubai– Where I can buy abortion pills in Dubai,+971582071918where I can buy abortion pills in Abudhabi +971)581248768 , where I can buy abortion pills in Sharjah,+97158207191 8where I can buy abortion pills in Ajman, +971)581248768 where I can buy abortion pills in Umm al Quwain +971)581248768 , where I can buy abortion pills in Fujairah +971)581248768 , where I can buy abortion pills in Ras al Khaimah +971)581248768 , where I can buy abortion pills in Alain+971)581248768 , where I can buy abortion pills in UAE +971)581248768 we are providing cytotec 200mg abortion pill in dubai, uae.Medication abortion offers an alternative to Surgical Abortion for women in the early weeks of pregnancy. Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia