PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
Capturing the Long Term Impact of ChangesKim Herzig
I gave this talk on the doctoral symposium on ICSE 2010. The number of slides was limited to 5 slides. Otherwise I would but things bit more into context.
Capturing the Long Term Impact of ChangesKim Herzig
I gave this talk on the doctoral symposium on ICSE 2010. The number of slides was limited to 5 slides. Otherwise I would but things bit more into context.
A talk I gave at Hackware v1.9 about my experience in using an Intel Edison in my company's product.
The video of my talk can be found here: https://engineers.sg/v/828
LINKed2015 - SERIF - A Semantic ExeRcise Interchange FormatBen De Meester
Spec online at edutab.test.iminds.be/specs/serif.
More and more users obtain new knowledge using e-learning systems, and often assess their understanding of this new knowledge using corresponding assessment items. However, the distribution of content items and assessment items in a learning object is tightly bound. To publish assessment items, independently of the corresponding content items, it is required to wrap these assessment items into separate learning objects,
which introduces a large overhead. Moreover, current learning objects are closely coupled with their execution environment. A stand-alone and lightweight format to describe assessment items is needed. This way their publication is facilitated and their discoverability can be increased.
This presentation proposes some important features for such a format and introduces SERIF: a Semantic ExeRcise Interchange Format, whose underlying data model is based on the QTI data model, and that can be distributed into different RDF serializations. SERIF was applied successfully in three proof-of-concept applications, where we assessed how SERIF is decoupled from the execution environment and extendable to other content and interaction types. In future work, we will exploit its defined semantics for automatic discovery and combination of assessment items.
Intacct can help you master your transition to ASC-606 and IFRS-15. If spreadsheets are part of your revenue recognition and billing processes, you are headed into a “perfect storm” of regulatory change. To adopt these new guidelines, you need a financial system that’s supports this critical transition.
Learn how Intacct's best-in-class cloud ERP solution can improve your transition by:
--Automating the dual reporting that's necessary to both stay compliant and understand the impact of the changes on your results
--Tracking performance obligations even as your billing, packaging, and pricing models evolve
--Addressing all the new rules for revenue reallocation and expense amortization with automation, not spreadsheets
Moving to the Mainstream - Alternative Financing for MSMEs & Policy ImplicationsJohn Owens
This presentation was provided during the session entitled "Moving Into the Mainstream – Showcase of Alternative Funding Mechanisms for SMMEs " at the ABAC Malaysia - SME Finance Forum
Workshop on Innovative Financing for SMMEs at the
InterContinental Kuala Lumpur, Malaysia on May 21, 2015
A talk I gave at Hackware v1.9 about my experience in using an Intel Edison in my company's product.
The video of my talk can be found here: https://engineers.sg/v/828
LINKed2015 - SERIF - A Semantic ExeRcise Interchange FormatBen De Meester
Spec online at edutab.test.iminds.be/specs/serif.
More and more users obtain new knowledge using e-learning systems, and often assess their understanding of this new knowledge using corresponding assessment items. However, the distribution of content items and assessment items in a learning object is tightly bound. To publish assessment items, independently of the corresponding content items, it is required to wrap these assessment items into separate learning objects,
which introduces a large overhead. Moreover, current learning objects are closely coupled with their execution environment. A stand-alone and lightweight format to describe assessment items is needed. This way their publication is facilitated and their discoverability can be increased.
This presentation proposes some important features for such a format and introduces SERIF: a Semantic ExeRcise Interchange Format, whose underlying data model is based on the QTI data model, and that can be distributed into different RDF serializations. SERIF was applied successfully in three proof-of-concept applications, where we assessed how SERIF is decoupled from the execution environment and extendable to other content and interaction types. In future work, we will exploit its defined semantics for automatic discovery and combination of assessment items.
Intacct can help you master your transition to ASC-606 and IFRS-15. If spreadsheets are part of your revenue recognition and billing processes, you are headed into a “perfect storm” of regulatory change. To adopt these new guidelines, you need a financial system that’s supports this critical transition.
Learn how Intacct's best-in-class cloud ERP solution can improve your transition by:
--Automating the dual reporting that's necessary to both stay compliant and understand the impact of the changes on your results
--Tracking performance obligations even as your billing, packaging, and pricing models evolve
--Addressing all the new rules for revenue reallocation and expense amortization with automation, not spreadsheets
Moving to the Mainstream - Alternative Financing for MSMEs & Policy ImplicationsJohn Owens
This presentation was provided during the session entitled "Moving Into the Mainstream – Showcase of Alternative Funding Mechanisms for SMMEs " at the ABAC Malaysia - SME Finance Forum
Workshop on Innovative Financing for SMMEs at the
InterContinental Kuala Lumpur, Malaysia on May 21, 2015
The presentation is the summary of CFDA's experience in Community based micro finance initiative. The project was commenced in 1995 and continue to be operated by the local community since 1998. They are functioning under a Registered entity,''AKSHAYA'' and cater to the financial needs of about 2000 households in the urban fringes of Chennai
Micro-Finance in Global Prespectives.pptxBijoyDas79
**Micro-Finance in Global Perspectives**
Microfinance, with its roots dating back centuries and its modern evolution driven by pioneers like Dr. Muhammad Yunus, represents a powerful force in global finance. Its historical journey encompasses early community-oriented pawnshops, 19th-century cooperative lending banks in Europe, and the birth of "modern microfinance" in rural Bangladesh. Over the years, microfinance has grown into a global movement, attracting substantial foreign investments and involvement from large banking institutions. With a diverse range of financial services, including small loans, savings, and insurance, microfinance aims to promote financial inclusion and empower low-income individuals, particularly women, across the world. Its adaptability, sustainability, and emphasis on entrepreneurship make it a critical tool in the fight against poverty and a key driver of economic development on a global scale. The global microfinance market continues to expand, offering hope and opportunity to millions of people who lack access to traditional banking services.
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
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.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the what's app number of my personal pi vendor to trade with.
+12349014282
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the what'sapp contact of my personal pi merchant to trade with
+12349014282
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?
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the what'sapp contact of my personal pi merchant to trade with.
+12349014282
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
The WhatsPump Pseudonym Problem and the Hilarious Downfall of Artificial Enga...
Panel1 carlos moya
1. Una política para promover el acceso a servicios financieros buscando equidad social
2. What is Banca de las Oportunidades (BdO) ?
It is the national financial inclusion policy of the
government of Colombia, established in 2006, to
promote access to financial services, with a special
emphasis on the poorest. It works through innovative
public – private alliances and pro-market interventions
to ensure a profitable and sustainable supply.
To comply with this mandate, BdO serves as:
1) Facilitator
2) Promoter of change
3) Leader and articulator
4) Capacity Builder
Una política para promover el acceso a servicios financieros buscando equidad social
3. How does it work?
Regulatory Framework: Create an adequate
environment and promote required reforms
Contributes to the rapprochement b/w
Supply and Demand of financial services
Gives Support to BdO´s network: Incentives
(monetary and in kind) to the supply of financial
services to extend their geographic outreach,
develop adequate products and adopt new
methodologies
Una política para promover el acceso a servicios financieros buscando equidad social
4. •Institutional
Strengthening (to
NGO and Coop.)
•Product Design •Bank Agents
and new •M-banking
methodologies •Incentives for F
to increase
outreach
•Microcredit
•Village banking/
Group Lending
•Self Help Groups /
Savings and Loans
Groups
•Microsavings
•Microinsurance •Financial Eduaction
•Microcredit Programs
•Savings Culture
Program (with
Fundacion Capital)
Una política para promover el acceso a servicios financieros buscando equidad social
5. •Institutional
Strengthening (to
NGO and Coop.)
•Product Design •Bank Agents
and new •M-banking
methodologies •Incentives for F
to increase
outreach
•Microcredit
•Village banking/
Group Lending
•Self Help Groups /
Savings and Loans
Groups
•Microsavings
•Microinsurance •Financial Eduaction
•Microcredit Programs
•Savings Culture
Program (with
Fundacion Capital)
Una política para promover el acceso a servicios financieros buscando equidad social
6. Propitiating Reforms to the Regulatory
Framework
Promotion of Agent Banking (Corresponsales No
Bancarios)
Development of Electronic Accounts/ Small-Amount
Savings Accounts : Product geared for low income
clients, with lower barriers, costs and simplified
procedures
Regulatory framework for the implementation of M-
banking
Una política para promover el acceso a servicios financieros buscando equidad social
7. •Institutional
Strengthening (to
NGO and Coop.)
•Product Design •Bank Agents
and new •M-banking
methodologies •Incentives for F
to increase
outreach
•Microcredit
•Village banking/
Group Lending
•Self Help Groups /
Savings and Loans
Groups
•Microsavings
•Microinsurance •Financial Eduaction
•Microcredit Programs
•Savings Culture
Program (with
Fundacion Capital)
Una política para promover el acceso a servicios financieros buscando equidad social
8. Increase Geographical Outreach
Non Bank Agent (Agent Banking): Low
cost distribution channel, for financial
institutions to offer their services through
commercial establishments which allows them
to extend outreach and facilitate clients to do
their transactions closer to home
BdO Contribution:
Development of regulatory framework,
required for its implementation in Colombia
Authorization to open savings accounts at
NBA
Incentive (Subsidy) for financial institutions
to open NBA in municipalities that didn´t
have financial presence: 187 CNB
Incentive (Co-finance) to banks, to open
NBA in marginal neighborhoods
Una política para promover el acceso a servicios financieros buscando equidad social
9. MUNICIPALITIES WITHOUT
FINANCIAL INSTITUTIONS
PRESENCE
June 2006: 309
Now: 9
Non bank agents (NBA):
NBA opened with BdO incentives: 209
Total number on NBA in Colombia: 23.623
Total number of financial institutions with NBA: 17
Number of transactions done through NBA: 115 MILLONES
Value of transaction done through NBA: US$13 BILLONES
* Data from June 2007 to April 2011
Una política para promover el acceso a servicios financieros buscando equidad social
10. Increase Geographical Outreach
Co-financiation: temporary and diminishing subsidies for
specialized microcredit institutions to extend their outreach to
municipalities of less than 50.000 inhabitants, where there was
no presence.
Type # of Municip. Value
of Inst. (in US $ M)
CNB 187 $3,2
ONG 104 $0,88
CFC 15 $0,12
Coop 18 $0,4
Incentives given to 27
institutions, to extend
their outreach with 324
new POS in 311
municipalities
Una política para promover el acceso a servicios financieros buscando equidad social
11. New Distribution channels
M-banking: Channel and mean to reach the “Unbanked”. BdO
has worked on project to set an enabling environment for the
provision of m-banking services with the objective of increasing
access to banking services for the poor, taking advantage of the
technological advances.
Achievements:
i) Diagnosis of legal, regulatory and institutional framework and
identification of best practices that allow its implementation in the
country.
ii) Detailed study of legal and regulatory reforms required, to be discussed
with MPF, MINCO and the Financial Superintendence .
iii) Consultancy to review technological matters.
iv) Facilitator hired to articulate and foster the participation of key
stakeholders (MNO, banks, technology providers, commerce and users)
and identify the actions to overcome the main bottlenecks. Disclosure of
results and motivation for the private sector to implement it.
v) Creation of an Intergovernmental committee
• Financial Superintendence, Min. Public Finance, Telco Regulation Comission,
National Planning Dept, Min. of Comm, and BdO
Una política para promover el acceso a servicios financieros buscando equidad social
12. •Institutional
Strengthening (to
NGO and Coop.)
•Product Design •Bank Agents
and new •M-banking
methodologies •Incentives for F
to increase
outreach
•Microsavings
•Microinsurance
•Microcredit
•Village banking/ •Financial Eduaction
Group Lending Programs
•Self Help Groups / •Savings Culture
Savings and Loans Program (with
Groups Fundacion Capital)
Una política para promover el acceso a servicios financieros buscando equidad social
13. Development of adequate products
Microsavings: Savings account for
CCT beneficiaries
Opening of savings accounts for all
Familias en Accion (Conditional Cash
Transfer Program) beneficiaries (about 2,5
million) to receive their subsidies’ payments,
in a fast, timely and efficient way, at a low
cost.
Important advances to achieve it:
Non Bank Agents: Full Financial
Coverage of all municipalities
Design of special savings account:
Full fledge, but simplified procedures
and no frills
Una política para promover el acceso a servicios financieros buscando equidad social
14. Development of adequate products
Microsavings: Promotion of Savings Culture for CCT benefiaries
that opened accounts.
(Project with Fundación Capital)
Objectives:
Financial Inclusion: Savings account as gateway to have access to
other services of the formal sector
Transformation of informal savings to formal ones
Increase savings and promote assets accumulation
Facilitate financial transactions through efficient and secure means.
Project Components
•Monetary incentive
•Financial Education
•Impact Evaluation
Una política para promover el acceso a servicios financieros buscando equidad social
15. Financial Education: Programs to improve capacity of lowest
income population to manage their personal finances, providing
complete information about the benefits and principles of using
financial services (savings, credit, microinsurance) and basic
concepts such as budget and financial planning
BdO - Microfinance Opportunities: Bring to Colombia the Financial
Education Global Program
Program to promote Savings Culture among CCT recipients:
Financial Education to enhance savings habits and potentiate use
of other financial services among CCT recipients and population in
extreme poverty.
Project with Central Bank (Banco de la República) to include
financial education on school pensum
Design strategies for massive outreach (radio, TV cell phone) to
reach more people at low costs.
Una política para promover el acceso a servicios financieros buscando equidad social
16. Development of adequate products
Microinsurance: Promote the development and use of adequate
instruments to mitigate the adverse effect of economic shocks, natural
disasters and emergencies, for the lowest income population.
Demand study to identify the needs of the
population in extreme poverty and
determine the elements to design an
adequate microinsurance that suits them,
recommending also the best distribution
channels for its implementation
Pilot project to give life and funerary
microinsurances to 50.000 families in
extreme poverty (Red Unidos): Currently
in implementation
Una política para promover el acceso a servicios financieros buscando equidad social
17. Development of adequate products
Microinsurance: Next steps
Pilot Project to assure 408.000
Red Unidosbeneficiaries (lowest
income population of the country),
for future expansion to 1.5 M
Financial Education program for
these families to understand the
importance and benefits of a
microinsurance, and use them.
Development of specialized
microsinsurance products: For
crops, property, against disasters
Una política para promover el acceso a servicios financieros buscando equidad social
18. Access for other segments
Specialized Microcredit Methodology: Technical Assistance
to financial institutions to implement methodology which
facilitates access to credit for micro entrepreneurs. With
support from USAID – MIDAS, TA was given to the following
institutions:
4 Banks: Bancolombia, Banco
Agrario, BCSC, Banco de Bogotá
- Megabanco.
5 Cooperatives: Coopcentral,
Comultrasan, Cooprocemva,
Ultrahuilca, Credicoop.
4 NGOs: Fundación Mundo Mujer
Popayán, Contactar, Agape,
Opportunity Internacional.
3 FC: Finamérica, Compartir,
Giros y Finanzas.
Una política para promover el acceso a servicios financieros buscando equidad social
19. •Institutional
Strengthening (to
NGO and Coop.)
•Product Design •Bank Agents
and new •M-banking
methodologies •Incentives for F
to increase
outreach
•Microcredit
•Village banking/
Group Lending
•Self Help Groups /
Savings and Loans
Groups
•Microsavings
•Microinsurance •Financial Eduaction
•Microcredit Programs
•Savings Culture
Program (with
Fundacion Capital)
Una política para promover el acceso a servicios financieros buscando equidad social
20. Access for the poorest (BOP)
Village Banking: Methodology that allows to extend savings
and credit services for vulnerable population, giving access to
new segments in difficult to access areas.
BO: Technical Assistance for Intermediaries
Expected Results:
Implementation of Village Banking in at least 5 institutions
40.000 clients participating
20% clients - unbanked
Una política para promover el acceso a servicios financieros buscando equidad social
21. Access for the poorest (BOP)
Self Help Groups: Promotion of savings culture and access to
basic financial services for the population in extreme poverty, in
remote areas of the country.
BO: Technical Assistance for implementation of pilot project
Results:
Promotion of savings culture
Practical Financial Education
Construction of social capital
Social Cohesion
Concepto Number
Villages 34
Groups 434
Total Members 6.873
Total Assets US $460.000
Values of Credits US $100.000
Av. Assets / member US $60
Number of credits 1.650
Average credit size US $50
Una política para promover el acceso a servicios financieros buscando equidad social
22. Access for other segments
Institutional Strengthening: BdO
hired two renown technical
assistance firms (WOCCU and
Planet Finance) to give integral
strengthening on different areas
(financial, commercial, operative,
technological, etc) to cooperatives
and NGO in Colombia, to improve
their performance and assure their
sustainability.
Technical Assistance NGO:
TA: PLANET FINANCE)
To 6 NGOs
Technical Assistance
Cooperatives:
TA: WOCCU
To 9 cooperatives
Una política para promover el acceso a servicios financieros buscando equidad social
24. MUNICIPALITIES WITHOUT
FINANCIAL INSTITUTIONS
PRESENCE
June 2006: 309
Now: 9
Non bank agents (NBA):
NBA opened with BdO incentives: 209
Total number on NBA in Colombia: 23.629
Total number of financial institutions with NBA: 17
Number of transactions done through NBA: 115 MILLONES
Value of transaction done through NBA: US$12,7 BILLONES
* Data from June 2007 to April 2012
Una política para promover el acceso a servicios financieros buscando equidad social
25. Access to Credit
Microcredit Disbursements
9,7 MILLIONS OF CREDITS
FOR US $ 16 BILLIONS
Microentrepreneurs that have had access
to credit for the first time:
TOTAL: 3 MILLIONS
August 2006 – April 2012
Una política para promover el acceso a servicios financieros buscando equidad social
26. Bancarization
Bancarización de la población
Mayor de 18 años en Colombia
July 2006: 47%
Dec 2011 : 64,6%
Una política para promover el acceso a servicios financieros buscando equidad social
27. Una política para promover el acceso a servicios financieros buscando equidad social
28. Development of new distribution channels and
products
Agent Banking
Mobile Banking
Microsavings
Microinsurance
Rapprochement between supply and demand
Promotion of savings culture
Financial Education
Una política para promover el acceso a servicios financieros buscando equidad social
29. Access to Credit
Microcredit Loan
Outstanding balance
July 2002: US $ 395 millions
July 2006: US $ 1,9 billions
Dec 2011: US $ 5,6 billions
Una política para promover el acceso a servicios financieros buscando equidad social
Editor's Notes
Atenderá a 100 microempresarios y/o emprendedores en 15 municipios menores de 50.000 habitantes. Atenderá a 100 microempresarios y/o emprendedores en 15 municipios menores de 50.000 habitantes. Actuar Antioquia: Atenderá a 100 microempresarios y/o emprendedores en 15 municipios menores de 50.000 habitantes.