This document contains information about Bernie Madoff, who was born in 1932. He established Bernard L. Madoff Investment Securities LLC in 1960. The company became famous in the 1980s for consistently high returns of 10% or more. However, it was revealed in December 2008 that the returns were part of an elaborate Ponzi scheme that had been operating since the 1970s. The total amount lost in the scam was estimated to be $17 billion.
The document discusses Bernie Madoff, an American fraudster who ran the largest Ponzi scheme in history. Madoff founded Bernard L. Madoff Investment Securities LLC in 1960 and became famous in the 1980s for consistently high returns of 10% or more each year. However, in reality he was operating a massive Ponzi scheme from the 1970s until December 11, 2008, when he confessed the scam to his sons. The total losses from the Ponzi scheme were estimated to be $17 billion.
- Lanco Infratech Ltd is an Indian conglomerate involved in power, infrastructure, property development and natural resources. It has faced significant financial troubles in recent years.
- In 2013, 75% of Lanco's lenders agreed to a Corporate Debt Restructuring plan to restructure Rs. 7,700 crore of debt, but 24% of lenders opted out of the plan and want to exit their exposure to Lanco.
- The CDR plan aims to reduce Lanco's interest rates and give it a two year interest payment holiday but some lenders have concerns about additional exposure, use of funds, and the financial health of Lanco's subsidiaries.
Carfinco Financial Group Inc. is an auto finance company that provides loans to non-prime borrowers. The presentation summarizes the company's consistent growth and profitability, analyst forecasts, competitive position in the Canadian market, and leadership team. Key highlights include a 20% annual growth in loan originations and portfolio size, 11 consecutive quarters of record earnings, and analyst price targets of $10-12 per share.
Carfinco Financial Group Inc. is an auto finance company that provides loans to non-prime borrowers. The presentation discusses Carfinco's growing loan portfolio and revenues, increasing earnings per share, and impressive return on equity. Key highlights include a loan portfolio that has grown to $172.5 million, annualized revenues of $67.1 million, quarterly earnings per share of $0.19, and an annualized return on equity of 79.4%. The analysts cited have target share prices ranging from $10 to $12 and view Carfinco positively.
Royal Resources Limited held its annual general meeting on November 27th, 2012. The company provided updates on its capital structure, share price performance, corporate changes, and project portfolio. Royal exited non-core projects in the Pilbara and completed the sale of its US uranium assets. It defined over 3 billion tonnes of iron ore resources across four deposits in its Red Dragon Venture in South Australia, including an indicated and inferred resource of 1.8 billion tonnes at the Razorback Premium Iron Project. A pre-feasibility study for Razorback was nearing completion.
Annual financial performance 2010 mcb bank limitedshamsherkhan
For the year ended December 31, 2010:
- Total assets of the bank rose 11% to Rs. 568B while profits rose 13% to Rs. 26B
- Net interest income increased 3% to Rs. 36.8B and non-interest income rose 12% to Rs. 6.4B
- Provisions decreased 51% to Rs. 3.6B while administrative expenses rose 10% to Rs. 15.5B
PT Bank OCBC NISP Tbk reported strong financial performance in full year 2011. Key highlights include:
- Net profit after tax reached Rp 753 billion, an 80% increase from 2010.
- Loans grew 31% to Rp 41 trillion while gross NPL declined to 1.3%.
- Low-cost CASA deposits increased 28% and represented over 60% of total deposits.
- Capital adequacy remained healthy at 13.8% and Fitch upgraded the bank's ratings.
This document contains information about Bernie Madoff, who was born in 1932. He established Bernard L. Madoff Investment Securities LLC in 1960. The company became famous in the 1980s for consistently high returns of 10% or more. However, it was revealed in December 2008 that the returns were part of an elaborate Ponzi scheme that had been operating since the 1970s. The total amount lost in the scam was estimated to be $17 billion.
The document discusses Bernie Madoff, an American fraudster who ran the largest Ponzi scheme in history. Madoff founded Bernard L. Madoff Investment Securities LLC in 1960 and became famous in the 1980s for consistently high returns of 10% or more each year. However, in reality he was operating a massive Ponzi scheme from the 1970s until December 11, 2008, when he confessed the scam to his sons. The total losses from the Ponzi scheme were estimated to be $17 billion.
- Lanco Infratech Ltd is an Indian conglomerate involved in power, infrastructure, property development and natural resources. It has faced significant financial troubles in recent years.
- In 2013, 75% of Lanco's lenders agreed to a Corporate Debt Restructuring plan to restructure Rs. 7,700 crore of debt, but 24% of lenders opted out of the plan and want to exit their exposure to Lanco.
- The CDR plan aims to reduce Lanco's interest rates and give it a two year interest payment holiday but some lenders have concerns about additional exposure, use of funds, and the financial health of Lanco's subsidiaries.
Carfinco Financial Group Inc. is an auto finance company that provides loans to non-prime borrowers. The presentation summarizes the company's consistent growth and profitability, analyst forecasts, competitive position in the Canadian market, and leadership team. Key highlights include a 20% annual growth in loan originations and portfolio size, 11 consecutive quarters of record earnings, and analyst price targets of $10-12 per share.
Carfinco Financial Group Inc. is an auto finance company that provides loans to non-prime borrowers. The presentation discusses Carfinco's growing loan portfolio and revenues, increasing earnings per share, and impressive return on equity. Key highlights include a loan portfolio that has grown to $172.5 million, annualized revenues of $67.1 million, quarterly earnings per share of $0.19, and an annualized return on equity of 79.4%. The analysts cited have target share prices ranging from $10 to $12 and view Carfinco positively.
Royal Resources Limited held its annual general meeting on November 27th, 2012. The company provided updates on its capital structure, share price performance, corporate changes, and project portfolio. Royal exited non-core projects in the Pilbara and completed the sale of its US uranium assets. It defined over 3 billion tonnes of iron ore resources across four deposits in its Red Dragon Venture in South Australia, including an indicated and inferred resource of 1.8 billion tonnes at the Razorback Premium Iron Project. A pre-feasibility study for Razorback was nearing completion.
Annual financial performance 2010 mcb bank limitedshamsherkhan
For the year ended December 31, 2010:
- Total assets of the bank rose 11% to Rs. 568B while profits rose 13% to Rs. 26B
- Net interest income increased 3% to Rs. 36.8B and non-interest income rose 12% to Rs. 6.4B
- Provisions decreased 51% to Rs. 3.6B while administrative expenses rose 10% to Rs. 15.5B
PT Bank OCBC NISP Tbk reported strong financial performance in full year 2011. Key highlights include:
- Net profit after tax reached Rp 753 billion, an 80% increase from 2010.
- Loans grew 31% to Rp 41 trillion while gross NPL declined to 1.3%.
- Low-cost CASA deposits increased 28% and represented over 60% of total deposits.
- Capital adequacy remained healthy at 13.8% and Fitch upgraded the bank's ratings.
PNC Financial Services' financial performance overview summarizes key metrics for 2010 and 2009. Net revenues decreased from $19.2 billion in 2009 to $17.1 billion in 2010, while net income increased from $2.4 billion to $3.4 billion. The balance sheet shows total assets of $264.3 billion in 2010 compared to $269.9 billion in 2009, with loans and deposits decreasing slightly. Stock performance is also presented.
This document provides financial results and performance metrics for OHL Brasil for 2Q12 and comparisons to 1Q12 and 2Q11. Some key highlights:
- Tolled traffic increased 2.1% in 2Q12 compared to 2Q11. Toll tariffs increased 7.8% on average.
- Adjusted EBITDA was R$303 million in 2Q12, a 4.3% increase from 2Q11. Net income increased to R$161 million in 2Q12.
- Gross revenue composition was 31% from tolls, 24% from construction, and 16% from others.
- Total costs increased 21.6% in 1H12 compared
The Knights of Columbus 2011 Investment Review provides information about their investment strategy and performance. They focus on investing in investment grade corporates and agencies across sectors as well as high quality mortgage securities. They avoid risky investments like junk bonds, derivatives, and structured products. Over 2011, their total assets grew to $18 billion with 87.5% in bonds, 2.1% in stocks, and the remainder in real estate and other assets. Their annualized returns over various periods exceeded their peers, with strong credit ratings reflecting their conservative approach.
Lincoln Crowne & Company Engineering & Contractors Report No 100 20150306Lincoln Crowne & Company
Lincoln Crowne & Company weekly update on deal and valuation activity in the Australian Engineering & Mining Services Sector for the week ended 6th March 2015
The document describes several monthly income mutual funds: HDFC, Reliance, Birla Sunlife, Canara Robeco, and ICICI Prudential. It provides information on their net asset values, returns, asset allocations between equity, debt and other holdings, risk metrics like beta and standard deviation, and sectoral exposures. The funds aim to generate regular income through investments primarily in debt and money market instruments, with some investing a small portion in equities to provide long-term capital appreciation.
The document is Dole Food Company's 2001 annual report. It provides an overview of Dole's worldwide operations, financial highlights for 2001-1997, and a letter from the Chairman and CEO. Some key points:
- Dole has operations in over 90 countries worldwide focused on sourcing, ripening, distribution and marketing of food.
- In 2001, Dole divested its Honduran beverage business and used the proceeds to pay down debt.
- Net income for 2001 was $150 million, an increase over 2000, driven by the beverage divestiture gain and improved continuing operations performance.
- Dole focused on cost reductions in 2001 and aims to complete divestitures of non-
This portfolio is managed by professionals investing in the Saudi market with capital of $1 million. It is diversified across various industries like banks, telecom, insurance, etc. Geopolitical changes in the Arab world and natural disasters affected market performance. The portfolio exceeded a 17% return. Key factors considered in stock selection were earnings multipliers, risk levels, and diversification. Dividends received totaled $53,832.50. As of April 11, the portfolio value grew to $1,091,847.50, an 8.88% gain. Some original stocks were then sold and replaced to shift the portfolio to comply with Islamic principles.
The document provides a summary of OHL Brasil's 2Q10 earnings results conference call. It includes information on traffic evolution, toll tariffs, net revenue, EBITDA and margins, and financial results for various concessions compared to previous periods. Key highlights include an 11-12% increase in traffic across state concessions, EBITDA growth of 41.9% year-over-year, and a financial result impacted by a 110.1% increase in financial revenues but also higher financial expenses of 31.9%.
L&S Advisors Growth & Income Psn Reportjjjmmf
L&S Advisors, Inc. is an independent investment advisory firm located in Los Angeles, California that has been in business since 1979. The firm manages $230 million in total assets across 145 client accounts. Mr. Ralph Scott has served as the portfolio manager for the firm's market-oriented, large cap strategy since 2006, generating annualized returns of 10.13% compared to the benchmark's 2.06% over the same period. The minimum account size for individual investors is $500,000.
The document recommends purchasing Swift Transportation's $1.5 billion term loan at or below 75% of par value. Swift is a large trucking company that was taken private in a leveraged buyout in 2007. While Swift faces challenges from a downturn in the trucking industry and its high debt load, the recommendation is that Swift will restructure in bankruptcy but the term loan will likely receive post-petition interest and equity in the restructured company, offering an investment return over 20%.
04 30 2009 I First Quarter Results 2009 UsgaapEmbraer RI
- The document provides financial results and performance metrics for Embraer's first quarter of 2009, including lower jet deliveries, revenue, income from operations, and net income compared to previous quarters
- Key events in Q1 2009 included FAA certification of the Lineage 1000 jet and several military aircraft sales
- Embraer's backlog remained strong at $19.7 billion despite lower orders, with a continued focus on the E-Jet family which saw over 500 deliveries to date
PNC Financial Services' financial performance overview summarizes key metrics for 2010 and 2009. Net revenues decreased from $19.2 billion in 2009 to $17.1 billion in 2010, while net income increased from $2.4 billion to $3.4 billion. The balance sheet shows total assets of $264.3 billion in 2010 compared to $269.9 billion in 2009, with loans and deposits decreasing slightly. Stock performance is also presented.
This document provides financial results and performance metrics for OHL Brasil for 2Q12 and comparisons to 1Q12 and 2Q11. Some key highlights:
- Tolled traffic increased 2.1% in 2Q12 compared to 2Q11. Toll tariffs increased 7.8% on average.
- Adjusted EBITDA was R$303 million in 2Q12, a 4.3% increase from 2Q11. Net income increased to R$161 million in 2Q12.
- Gross revenue composition was 31% from tolls, 24% from construction, and 16% from others.
- Total costs increased 21.6% in 1H12 compared
The Knights of Columbus 2011 Investment Review provides information about their investment strategy and performance. They focus on investing in investment grade corporates and agencies across sectors as well as high quality mortgage securities. They avoid risky investments like junk bonds, derivatives, and structured products. Over 2011, their total assets grew to $18 billion with 87.5% in bonds, 2.1% in stocks, and the remainder in real estate and other assets. Their annualized returns over various periods exceeded their peers, with strong credit ratings reflecting their conservative approach.
Lincoln Crowne & Company Engineering & Contractors Report No 100 20150306Lincoln Crowne & Company
Lincoln Crowne & Company weekly update on deal and valuation activity in the Australian Engineering & Mining Services Sector for the week ended 6th March 2015
The document describes several monthly income mutual funds: HDFC, Reliance, Birla Sunlife, Canara Robeco, and ICICI Prudential. It provides information on their net asset values, returns, asset allocations between equity, debt and other holdings, risk metrics like beta and standard deviation, and sectoral exposures. The funds aim to generate regular income through investments primarily in debt and money market instruments, with some investing a small portion in equities to provide long-term capital appreciation.
The document is Dole Food Company's 2001 annual report. It provides an overview of Dole's worldwide operations, financial highlights for 2001-1997, and a letter from the Chairman and CEO. Some key points:
- Dole has operations in over 90 countries worldwide focused on sourcing, ripening, distribution and marketing of food.
- In 2001, Dole divested its Honduran beverage business and used the proceeds to pay down debt.
- Net income for 2001 was $150 million, an increase over 2000, driven by the beverage divestiture gain and improved continuing operations performance.
- Dole focused on cost reductions in 2001 and aims to complete divestitures of non-
This portfolio is managed by professionals investing in the Saudi market with capital of $1 million. It is diversified across various industries like banks, telecom, insurance, etc. Geopolitical changes in the Arab world and natural disasters affected market performance. The portfolio exceeded a 17% return. Key factors considered in stock selection were earnings multipliers, risk levels, and diversification. Dividends received totaled $53,832.50. As of April 11, the portfolio value grew to $1,091,847.50, an 8.88% gain. Some original stocks were then sold and replaced to shift the portfolio to comply with Islamic principles.
The document provides a summary of OHL Brasil's 2Q10 earnings results conference call. It includes information on traffic evolution, toll tariffs, net revenue, EBITDA and margins, and financial results for various concessions compared to previous periods. Key highlights include an 11-12% increase in traffic across state concessions, EBITDA growth of 41.9% year-over-year, and a financial result impacted by a 110.1% increase in financial revenues but also higher financial expenses of 31.9%.
L&S Advisors Growth & Income Psn Reportjjjmmf
L&S Advisors, Inc. is an independent investment advisory firm located in Los Angeles, California that has been in business since 1979. The firm manages $230 million in total assets across 145 client accounts. Mr. Ralph Scott has served as the portfolio manager for the firm's market-oriented, large cap strategy since 2006, generating annualized returns of 10.13% compared to the benchmark's 2.06% over the same period. The minimum account size for individual investors is $500,000.
The document recommends purchasing Swift Transportation's $1.5 billion term loan at or below 75% of par value. Swift is a large trucking company that was taken private in a leveraged buyout in 2007. While Swift faces challenges from a downturn in the trucking industry and its high debt load, the recommendation is that Swift will restructure in bankruptcy but the term loan will likely receive post-petition interest and equity in the restructured company, offering an investment return over 20%.
04 30 2009 I First Quarter Results 2009 UsgaapEmbraer RI
- The document provides financial results and performance metrics for Embraer's first quarter of 2009, including lower jet deliveries, revenue, income from operations, and net income compared to previous quarters
- Key events in Q1 2009 included FAA certification of the Lineage 1000 jet and several military aircraft sales
- Embraer's backlog remained strong at $19.7 billion despite lower orders, with a continued focus on the E-Jet family which saw over 500 deliveries to date
1) MRC is considering acquiring ARI for $40 million to gain $20 million in liquid assets and diversify, but ARI's rayon business is declining rapidly in the tire market.
2) While the acquisition appears financially attractive in the short-term, it does not align with MRC's long-term strategy and ARI's management style differs significantly from MRC's decentralized model.
3) Integrating the two companies would be difficult and rayon is a dying business, so the acquisition does not make strategic sense despite initial positive cash flows.
National Bank of Pakistan is the largest commercial bank in Pakistan with over 1,254 branches. It provides various commercial banking and financial services to individuals, corporations, and the government. NBP's business portfolio includes corporate investment banking, retail banking, agricultural financing, and treasury services. The bank faces some challenges like low internal controls, outdated organizational culture, and uneven work distribution. However, it maintains a strong position due to its large size, network across Pakistan, and role as an agent of the central bank.
Prasac is a microfinance institution in Cambodia that aims to improve living standards through financial services. It has grown significantly since starting as an EU project in 1995, and now has over $800 million in assets and serves over 270,000 borrowers across 180 branches. Prasac has integrated a social performance management framework to achieve its social and financial goals, highlighting areas like education outreach and women's employment. The Siem Reap branch serves over 45,000 clients in the area, with a loan portfolio of nearly $8 million and deposit balance over $8 million as of April 2015.
MFI transformations in Latin America and the Caribbean have led to significant growth and improvements. Some key advantages of transforming non-regulated NGO MFIs into regulated financial institutions include gaining access to more diversified funding like deposits, offering more services to clients, and achieving greater scale and efficiencies. Careful planning is important, focusing on regulatory compliance, cultural changes, and developing strategic areas like governance, risk management, products, and operations. Transformed MFIs in the region have shown substantial increases in outreach, portfolio size, and deposit mobilization.
This document contains quarterly financial reports and an overview of Kotak Mahindra Bank. Some key points:
- Kotak Mahindra Bank reported a profit after tax of Rs. 416 crore for Q1 FY12, up 27% year-over-year. Total advances grew 36% to Rs. 44,699 crore while deposits increased 33% to Rs. 29,397 crore.
- The bank has a wide geographical presence in India with over 2,100 branches and offices internationally. Its key business segments are banking, car finance, life insurance, securities, mutual funds, and asset management.
- Total revenues for Q1 FY12 were Rs. 2,
This document contains:
1) Financial reports and performance summaries for Kotak Mahindra Bank and its subsidiaries for Q1 FY12, including details on profits, revenues, assets, loan portfolio and key metrics.
2) An overview of the various business segments including consumer banking, commercial banking, wholesale banking and details on growth strategies.
3) Consolidated financial highlights for Q1 FY12 with comparisons to previous periods, showing increased profits, revenues and loan growth.
Carfinco Financial Group Inc. is a uniquely positioned auto finance company that has delivered consistent 20% annual growth. It provides financing to "non-prime" credit customers through over 1,600 dealer partnerships across Canada. Carfinco has refined credit risk management practices and vertically integrated operations that have supported strong and growing financial returns, including impressive annual returns on equity of over 50%. The leadership team emphasizes continued growth and maintaining dividend payments.
Carfinco Financial Group Inc. is a uniquely positioned auto finance company that provides loans to non-prime borrowers. It has delivered consistent 20% annual growth. Key highlights include record loan originations and portfolio levels, low delinquency rates, an experienced management team with significant ownership stakes, and 12 consecutive quarters of record earnings. Management sees no signs of an economic downturn and aims to increase the finance receivable portfolio by 20% annually. Analysts have target prices between $11-12 and see Carfinco as a top pick.
Carfinco Financial Group Inc. is a provider of auto financing to non-prime borrowers. The presentation highlights Carfinco's consistent growth, strong financial performance, and positive outlook. Analysts have set target prices between $11-12 per share and forecast continued revenue and earnings growth in 2012. Carfinco has a large and geographically diverse loan portfolio, stringent credit controls, and obtains funding through a $130 million credit facility.
AVCA 9th Annual Conference | CAL Bank Presentation by Frank B. Adu - CEO, CAL...AVCA-Africa
CAL Bank Limited is a leading Ghanaian bank presenting at the African Venture Capital Association's 9th Annual Conference on highlighting successful African companies. CAL Bank was established in 1990 and has grown significantly, with total assets increasing at a 36% compound annual growth rate to over $809 million in 2011. It has a network of 18 branches and 51 ATMs across Ghana and provides corporate, retail, and treasury banking services. CAL Bank has received numerous banking awards in Ghana and has a track record of solid financial performance and continued expansion.
The document discusses the principles, history, and current state of the Islamic finance industry. It provides an overview of how Islamic finance prohibits interest and requires profit-and-loss sharing. The document summarizes the key principles of Islamic finance and outlines some of the major financing tools used like murabaha, musharaka, and mudaraba. It also reviews the comparative performance of Islamic banks versus conventional banks and discusses some challenges still facing the Islamic finance industry.
This document is a request for a $200 million project loan from Panam Tankers Pte Ltd in Singapore to purchase ocean-going oil tankers and gas carriers. It includes loan calculations and repayment schedules for purchasing 4 oil tankers for $100 million and 4 gas carriers for $100 million. Key details provided include the borrowers and locations, confidentiality terms, company and market information, and financial projections demonstrating feasibility of repayment over 10 years.
This document provides an overview and agenda for contracting opportunities with the Officer in Charge of Construction, Marine Corps Installations East (OICC MCI East) for small businesses. It outlines the NAVFAC organization, MCI East program funding and top NAICS codes, small business goals and achievements, subcontracting targets, housing privatization partners, and current MILCON projects at MCB Camp Lejeune including project costs and completion dates. The document aims to inform small businesses of contracting opportunities with NAVFAC and MCI East.
Muthoot Finance is India's largest gold loan NBFC. It provides gold loans to individuals and businesses, with over 3,000 branches across India. Muthoot has been successful due to its large branch network in Southern India, where 85-90% of gold loans are concentrated. It offers gold loans with quick processing, minimum documentation, and lower interest rates than other lenders. While dependent on gold prices, Muthoot has consistently grown its revenues and profits over the past years through its market leading position in the gold loan industry.
This investor presentation provides an overview of Banco ABC Brasil. It discusses the bank's history, business segments, competition, financial highlights, and ownership structure. ABC Brasil focuses on providing loans and structured products to mid-sized and large corporate clients. It has a strong controlling shareholder in Arab Banking Corporation and maintains a high credit quality with low historical losses. The presentation provides details on the bank's credit portfolio quality, funding sources, capitalization, and financial results.
car financing and house financing in meezan bank cfr assignmentmianmohsinmumtazshb
Diminishing Musharaka is an Islamic financing structure where a bank and customer jointly own an asset, with the customer gradually purchasing the bank's shares over time until owning the asset outright. It is commonly used to finance fixed assets like houses, cars, and machinery. The document provides an example of Diminishing Musharaka used for car financing over 3 years and house financing over 5 years, outlining the payment schedules and transfer of ownership shares between bank and customer each period.
This document provides an overview and corporate presentation for IMPACT Silver Corp. Key points include:
- IMPACT is a Canadian silver mining company with production at its Royal Mines of Zacualpan in Mexico and several exploration projects.
- It has a strong financial position with $19.6 million in cash and no debt as of Q3 2012.
- Construction is underway for the new Capire Mine and processing plant in Mexico to drive production growth.
- Resources reported for Capire include over 7 million ounces of silver and 30,000 ounces of gold.
- A new high-grade Cuchara-Oscar Mine is scheduled to begin production in early 2013.
This corporate presentation from IMPACT Silver Corp outlines their profitable silver production in Mexico, strong financial position with $19.6M cash and no debt, and growth plans. IMPACT is currently transitioning operations from older, lower grade mines to new high grade Capire Mine and Processing Plant, with completion scheduled for Q1 2013. They have explored over 3,000 old mine workings in the Royal Mines of Zacualpan district, Mexico, which has 485 years of mining history, to guide modern exploration efforts.
This document summarizes the Philippines' ATM market from 2001 to 2011. It shows the growth in card holders and ATMs over time, as well as the card holder to ATM ratio. Globally, an optimal ratio is around 2,000, while the Philippines' ratio is currently higher at 3,256. Maintaining small ATM networks of 50 to 400 ATMs can be costly, with monthly costs exceeding revenues. Large banks have acquired the most transactions through BancNet and MegaLink networks. ENCASH, a company providing ATMs in remote areas, has received investments to help scale its business and provide more access to financial services for rural communities.
Similar to Microfinance Forum 2009 (2.Samic Mfi Presentation) (20)
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
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
Understanding how timely GST payments influence a lender's decision to approve loans, this topic explores the correlation between GST compliance and creditworthiness. It highlights how consistent GST payments can enhance a business's financial credibility, potentially leading to higher chances of loan approval.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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.
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.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
2. Cambodia at Glance
As of December 2008
• GEOGRAPHY
• ‐AREA: 181,035 KM2
• ‐LOCATION: BORDERED BY THAILAND, LAOS, AND
VIETNAM
• ‐NUMBER OF PROVINCE: 24
• ‐CAPITAL CITY: PHNOM PENH
• ‐WEATHER: MONSOON (TROPICAL WET AND
DRY)
• POPULATION
• ‐ POPULATION: 13.4 MILLION
• ‐ FEMALE: 51.5%
• ‐ POPULATION LIVE IN RURAL AREA: 80.5%
‐ KHMER (90%), AND SOME CHINESE,
• VIETNAMESE, CHAMS, BURMESE,
4. History & Revolution of MFI sector in
Cambodia
1993-2000 2000-2008
Started in 1993
No law & regulation
Run as an NGOs (not financially Got technical and credit
sustainable) support from ADB and FDA
80% of loan were to women in Microfinance reform and the
group lending law were established
Interest charged was high NBC addressed the issue of
interest charged on micro
lack of skills and expertise to loans
assess loan NGO transformed to licensed
No proper loan monitoring MFI having self‐ financial
sustainability
Lack management system
MFI started building
Results in high loan loss managerial and credit skill
Attract more investors
5. NATIONAL BANK OF
CAMBODIA
MFIs 21 NBC
24 Commercial 6 Specialized Branches
Banks Banks
20 Licensed
1
3 Foreign 21 Locally
State owned
Branch Banks incorporated
5 Privately NGOs
owned Money
Changer
25 Registered
Registered 3.987
2 Representative Unregistered
Offices
around 60 NGOs
15. Village Bank Loan
• GROUP: 2‐10 GROUPS ( 3‐7 MEMBERS PER GROUP)
• ELECT VILLAGE BANK OFFICERS: CHIEF, SECRETARY , &
TREASURER
• BENEFICIARY TRAINING: 45 MINUTES ON LENDING
CONDITIONS, VB RULES, SAVING, MEADA PROGRAM,
FAMILY PLANNING, ETC.
• MONTHLY MEETING‐ ALL VBS MEMBERS & TO REFRESH
THEM THE LENDING CONDITIONS AND CREDIT WITH
EDUCATION PROGRAM
• LOAN DURATION: 4‐12 MONTHS (BALLOON/DECLINING
PAYMENT)
• INTEREST RATE: 3.20%/MONTH
• VOLUNTARY SAVINGS: MINIMUM OF 1,000 RIELS
16. Group Solidarity Loan
• TERMS AND CONDITIONS
- GROUP GUARANTEE/GROUP PRESSURE
(OPTIONAL)
- FORM A GROUP FROM 2 TO 7 MEMBERS
- COLLATERAL (IS PREFERRED)
- DURATION: FROM 4 - 12 MONTHS
- INTEREST RATE : 3%/ MONTH
• REPAYMENT METHOD :
- DECLINING PAYMENT & BALLOON PAYMENT
METHOD
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23. SIEM REAP PROVINCE
• Population: 456,461
• No of Households: 180,743
• Urban: 23.77%
• No of Districts: 12
• Chief of Products: Tourist
industries, Rice mills, and
Fisheries