Presentation kecia rust
•Download as PPT, PDF•
2 likes•573 views
This document summarizes the state of housing microfinance in Africa. It discusses what housing microfinance is, outlines that it is a growing sector with increasing demand. It identifies opportunities in the sector, such as successful microlending programs and high urbanization rates, as well as challenges around issues like land tenure, funding, and appropriate products. Specific examples of housing microfinance programs in countries like Tanzania, Angola, and Uganda are provided.
Report
Share
Report
Share
![Outline ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)
Recommended
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing F...
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing F...AfricaChinaUrbanInitiative
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing Finance in Africa ", Kecia Rust 07/30/2012 Small-scale finance for water and sanitation: World Water Week 2011 - Sophie ...
Small-scale finance for water and sanitation: World Water Week 2011 - Sophie ...SHARE (Sanitation and Hygiene Applied Research for Equity)
The document discusses small scale finance for water and sanitation infrastructure. It notes that small scale agents like households, community organizations, and small private enterprises face financing constraints. Public finance can help by bridging capacity gaps and softening loan terms. The document provides examples of microfinance programs and funds in India that provide "toilet loans" for sanitation. It also discusses the potential roles and challenges for EU donors in supporting small scale finance for water and sanitation.Microcredit And Sme In Italy
Microcredit aims to provide small loans and financial services to poor individuals and micro-entrepreneurs who lack collateral through programs like Grameen Bank that pioneered the model. Microcredit has expanded globally and provides various services beyond credit like training and healthcare access, helping address broader development goals. While microcredit began as a tool for developing countries, it has also grown in developed regions like Europe and Italy where it supports vulnerable groups and small businesses that drive the economy.
Nairobi07052010
Microfinance institutions (MFIs) can play an important role in harnessing remittances for development. MFIs have a large presence in rural areas and knowledge of client needs that allows them to transform remittances into productive activities like savings, credit, insurance, and investments. However, MFIs currently represent less than 3% of remittance payers due to issues like lack of competition in the remittance market, low financial access in rural areas, and lack of capacity for MFIs to deliver remittance products and services. The document discusses some initiatives by INAFI member organizations to promote partnerships between MFIs, diaspora organizations, and remittance services. It also outlines
Presentation on-microcredit
Microcredit is a system that provides small loans to poor individuals without collateral to start self-employment projects. Muhammad Yunus pioneered microcredit by providing small loans to 42 poor women in Bangladesh in 1976. This led to the founding of Grameen Bank in 1983, which has since loaned over $6 billion to over 7 million people, mostly women. Microcredit works by providing loans in small group through community support and accountability. It has significantly reduced poverty by generating income and empowering the poor, especially women. However, some critiques argue it can increase debt cycles and over-dependence on loans.
African Union for Housing Finance Conference: Getting a rating to raise fundi...
African Union for Housing Finance Conference: Getting a rating to raise fundi...AfricaChinaUrbanInitiative
Getting a rating to raise funding for housing microfinance: Joaquim Catinda, CEO, KixiCredito, Angola.
With more than 46 cities in Africa swelling to populations of a million people or more — and 17 of the world's 100 fastest-growing cities located in Africa — there is an acute need to develop housing solutions for so many urban residents. But raising the capital to meet that growing demand for housing remains a significant challenge. In 2013, the African Union for Housing Finance (AUHF) will host a conference under the theme "Raising Capital for Housing Finance.” The Africa-China Urban Initiative will organize a conference panel discussion on "Understanding (and harnessing) Chinese investment interest." Chinese investment in residential development in Africa is increasingly having an impact and demonstrating a track record of opportunity and experience. Panelists invited include Chinese investors setting out their experiences and expectations for the market and an African corporation that has received Chinese financing.
http://urban-africa-china.angonet.org/content/29th-annual-conference-mobilising-capital-housing-financeMicrocredit Presentationshow
Microcredit programs in Bangladesh help reduce poverty by providing small loans to poor individuals for self-employment projects. Two prominent microcredit organizations discussed are Grameen Bank and BRAC, which lend primarily to women in rural Bangladesh. Grameen Bank pioneered the group lending model and its borrowers own most of the bank. Both organizations have had success in helping people rise out of poverty and improve their standards of living.
Kiva-Didi: Reaching the Poorest of the Poor
This document proposes a new website called Kiva-Didi that would help Kiva reach the poorest populations. It summarizes that while microfinance has helped many, the very poorest are often unable to participate due to lack of income or being seen as too risky. Kiva-Didi would leverage Kiva's existing lender base and partnerships to provide essential non-financial support like food and healthcare to address root issues, with the goal of helping the poorest graduate to a level where microloans are feasible.
Recommended
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing F...
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing F...AfricaChinaUrbanInitiative
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing Finance in Africa ", Kecia Rust 07/30/2012 Small-scale finance for water and sanitation: World Water Week 2011 - Sophie ...
Small-scale finance for water and sanitation: World Water Week 2011 - Sophie ...SHARE (Sanitation and Hygiene Applied Research for Equity)
The document discusses small scale finance for water and sanitation infrastructure. It notes that small scale agents like households, community organizations, and small private enterprises face financing constraints. Public finance can help by bridging capacity gaps and softening loan terms. The document provides examples of microfinance programs and funds in India that provide "toilet loans" for sanitation. It also discusses the potential roles and challenges for EU donors in supporting small scale finance for water and sanitation.Microcredit And Sme In Italy
Microcredit aims to provide small loans and financial services to poor individuals and micro-entrepreneurs who lack collateral through programs like Grameen Bank that pioneered the model. Microcredit has expanded globally and provides various services beyond credit like training and healthcare access, helping address broader development goals. While microcredit began as a tool for developing countries, it has also grown in developed regions like Europe and Italy where it supports vulnerable groups and small businesses that drive the economy.
Nairobi07052010
Microfinance institutions (MFIs) can play an important role in harnessing remittances for development. MFIs have a large presence in rural areas and knowledge of client needs that allows them to transform remittances into productive activities like savings, credit, insurance, and investments. However, MFIs currently represent less than 3% of remittance payers due to issues like lack of competition in the remittance market, low financial access in rural areas, and lack of capacity for MFIs to deliver remittance products and services. The document discusses some initiatives by INAFI member organizations to promote partnerships between MFIs, diaspora organizations, and remittance services. It also outlines
Presentation on-microcredit
Microcredit is a system that provides small loans to poor individuals without collateral to start self-employment projects. Muhammad Yunus pioneered microcredit by providing small loans to 42 poor women in Bangladesh in 1976. This led to the founding of Grameen Bank in 1983, which has since loaned over $6 billion to over 7 million people, mostly women. Microcredit works by providing loans in small group through community support and accountability. It has significantly reduced poverty by generating income and empowering the poor, especially women. However, some critiques argue it can increase debt cycles and over-dependence on loans.
African Union for Housing Finance Conference: Getting a rating to raise fundi...
African Union for Housing Finance Conference: Getting a rating to raise fundi...AfricaChinaUrbanInitiative
Getting a rating to raise funding for housing microfinance: Joaquim Catinda, CEO, KixiCredito, Angola.
With more than 46 cities in Africa swelling to populations of a million people or more — and 17 of the world's 100 fastest-growing cities located in Africa — there is an acute need to develop housing solutions for so many urban residents. But raising the capital to meet that growing demand for housing remains a significant challenge. In 2013, the African Union for Housing Finance (AUHF) will host a conference under the theme "Raising Capital for Housing Finance.” The Africa-China Urban Initiative will organize a conference panel discussion on "Understanding (and harnessing) Chinese investment interest." Chinese investment in residential development in Africa is increasingly having an impact and demonstrating a track record of opportunity and experience. Panelists invited include Chinese investors setting out their experiences and expectations for the market and an African corporation that has received Chinese financing.
http://urban-africa-china.angonet.org/content/29th-annual-conference-mobilising-capital-housing-financeMicrocredit Presentationshow
Microcredit programs in Bangladesh help reduce poverty by providing small loans to poor individuals for self-employment projects. Two prominent microcredit organizations discussed are Grameen Bank and BRAC, which lend primarily to women in rural Bangladesh. Grameen Bank pioneered the group lending model and its borrowers own most of the bank. Both organizations have had success in helping people rise out of poverty and improve their standards of living.
Kiva-Didi: Reaching the Poorest of the Poor
This document proposes a new website called Kiva-Didi that would help Kiva reach the poorest populations. It summarizes that while microfinance has helped many, the very poorest are often unable to participate due to lack of income or being seen as too risky. Kiva-Didi would leverage Kiva's existing lender base and partnerships to provide essential non-financial support like food and healthcare to address root issues, with the goal of helping the poorest graduate to a level where microloans are feasible.
Micro finance 3
Microfinance aims to provide financial services like loans, savings, and insurance to low-income individuals who lack access to traditional banking. In India, microfinance grew out of efforts to provide credit to the poor, starting in the 1970s with organizations like Grameen Bank. The National Bank for Agriculture and Rural Development (NABARD) spearheaded India's microfinance program through partnerships with non-profits, banks, and cooperatives. Studies show microfinance has empowered women, improved health and education outcomes, and reduced dependency on informal lenders in rural India. However, some argue microfinance needs reforms to foster greater economic growth through support for real businesses and improved infrastructure.
NDIS: What, When, Where and Making it Real for all Australians, Bruce Bonyhad...
NDIS: What, When, Where and Making it Real for all Australians, Bruce Bonyhad...field - furthering inclusive learning and development
NDIS: What, When, Where and Making it Real for all Australians
Presentation to field AGM
Bruce Bonyhady AM, Chairman, Yooralla
16 November, 2012
Webinar on Bundling agriculture index insurance with financial and non financ...
Webinar on Bundling agriculture index insurance with financial and non financ...Impact Insurance Facility
Bundling index insurance with other financial and non-financial services can help scale agricultural insurance. It provides incentives for farmers to purchase insurance and opportunities for other stakeholders. Index insurance has been successfully bundled with credit in places like Mali, increasing farmer investment and incomes. Insurers like ACRE bundle products with farmer groups, banks, and input suppliers. Appropriate services to bundle with include credit, seeds/fertilizers, and complementary insurance covers. Key considerations for effective bundling include pricing affordability, evaluating value for all stakeholders, and delivering bundled products that protect farmer incomes.Chapter 1 Introduction Finca Micro Finance Bank
Introduction:
BACKGROUND & HISTORY:
Mission:
Village Banking:
Transformation of FINCA programs into micro banks:
Business Model:
Innovations and partnerships:
Celebrity support:
Countries where FINCA operates:
Microfinance
Microfinancing provides small loans and other basic financial services to low-income individuals who otherwise lack access to traditional banking services. It began in the 1970s with programs in Bangladesh and Brazil that made very small loans to rural poor groups, often women, to establish microenterprises and lift themselves out of poverty. Professor Muhammad Yunus pioneered microfinancing by founding Grameen Bank in Bangladesh in 1976, which today has over 6 million borrowers, most of whom are women. Microfinancing has since expanded globally and plays a key role in providing financial access to the poor in developing countries like India.
An Introduction to Microinsurances
An introductory presentation on microinsurances as a way to reduce poverty and vulnerabilities. Covers
1. general principles and approaches of microninsurances, including the linkage to poverty reduction and vulnerability; and
2. the value chains, actors and networks involved in making microinsurances work.
Held at a summer school on Development Policy at the University of Cologne in September 2009 (http://www.lateinamerika.uni-koeln.de/summerschool2009.html). It targets students with a general knowledge of development economics and politics (but without prior knowledge of microinsurances). In the seminar, the presentation was the frame for work sessions on microinsurance case studies (from CGAP), texts from the Microinsurance Compendium and a one-day country workshop on Colombia to which Jenny Hennig, GTZ, gave an additional input. Details on the course are available on request to martin.herrndorf@oikos-international.org.
People Capital - Opportunity For Lenders
People Capital connects lenders directly to student borrowers through an online lending platform, using a proprietary credit scoring model called the Human Capital Score to more accurately assess student borrowers' credit risk. The platform allows lenders to customize their investment strategies to target specific types of student loans based on risk and return preferences. People Capital aims to fill the over $113 billion gap in private student loan funding by improving credit risk analysis and streamlining the origination and servicing of student loans.
Intro to Micro-Financing
This document provides an overview of microfinancing and how it aims to help alleviate poverty. It discusses the two types of poverty, absolute and relative, and how absolute poverty affects over 1.5 billion people living on less than $1.25 per day. Microfinancing attempts to address this through small loans (microcredit) to help the poor establish small businesses or improve their economic circumstances. Key aspects covered include high repayment rates of microloans, the emphasis on female borrowers, and debates around the long-term effectiveness of microfinancing.
Affordable housing 19 12-2013
Wagane Diouf discusses key lessons learned in affordable housing development in Africa. Demand for housing between $15,000-$100,000 will not be met for 50 more years due to issues of affordability that can only be addressed through scale, cross-subsidization, design, and building on the outskirts of cities. Equity financing is the hardest to obtain and is best done through local private placements. The real obstacle to growth is end-user financing since 80% work informally so mortgages don't apply, and alternatives like tenancy purchase should be explored. Once equity and end-user financing are addressed, construction financing is easiest to secure. Incremental housing is only a viable solution for the
Customer education in agriculture insurance
Customer education in agriculture insurance is important to (1) achieve better understanding of how to mitigate risk, (2) create value for customers, and (3) help providers reach more clients and expand markets. There are challenges in developing responsible insurance through education including lack of awareness and poor risk perception, low demand and uptake, and lack of clear roles and adequate regulatory frameworks. Effective customer education approaches include using various engagement activities, marketing collaterals, workshops, and participation in local events to increase awareness and understanding of agricultural insurance.
A report on microcredit system in bangladesh
The document provides background information on microcredit in Bangladesh. It discusses the origins and modern development of microcredit, with a focus on pioneering institutions like Grameen Bank. It outlines the key principles of microcredit, including group lending and lending to women. It also examines the typical users and suppliers of microcredit services in Bangladesh, how borrowers use loans, and the economic and social impacts of microcredit programs.
International Bank for Reconstruction and Development
Previously called The World Bank, IBRD is the world wide known financial institute that provides loans to developing countries at a rate suitable according to their economy.
Challenges of Affordable Housing
The document outlines several challenges to housing affordability and availability in Vancouver:
1) Creating enough new rental units each year to meet growing demand, which is estimated to be 1,500 additional units per year.
2) Keeping pace with high rental demand to limit upward pressure on rental rates and maintain vacancies.
3) Incentivizing private developers to build new secure long-term rental apartments.
4) Developing affordable rental options for lower-income families given limited government funding for social housing.
Group Based Index Insurance
The document summarizes a field experiment conducted in Ethiopia to test the impact of providing index-based rainfall insurance to informal risk-sharing groups. The experiment randomized the type of training provided to group leaders on the insurance product, with some receiving individual-focused training and others receiving group-focused training emphasizing risk-sharing. Preliminary results found higher insurance take-up rates among members of groups whose leaders received the group risk-sharing training compared to individual training, suggesting such group-level products have potential to increase demand for index insurance.
Session 1 Luigi de Pierris, af db
Presentation Session 1: Luigi de Pierris
ISMED Annual Conference, Defining a Way Forward for Infrastructure Investment in the Middle-East and North Africa (MENA)
4 December 2014 - Paris, France
Microinsurance In India Oct 09
The document discusses micro-insurance practices and prospects in India. It introduces micro-insurance and describes common product types like loan-linked insurance, health insurance, and long-term insurance. It also examines the micro-insurance supply chain and popular distribution channels in India like MFIs, NGOs/CBOs, and government programs. Loan-linked life insurance dominates the Indian micro-insurance market.
Alhuda CIBE -Jaiz takaful insurance
This document discusses the potential for Islamic insurance (Takaful) and micro Takaful in Africa. It defines Takaful and micro Takaful and explains how they operate based on mutual assistance and cooperation. It highlights some successful Takaful developments in countries like Nigeria, Gambia, Kenya, and Zambia. It argues that Takaful is well-suited for Africa given its culture of caring and sharing. Micro Takaful could help improve livelihoods and financial well-being for low-income individuals. The document outlines various micro Takaful product types and concludes by taking questions.
1x1 m intro for mfi-feb13-1
1. 1x1Microcredit is a non-profit organization that provides microloans to support people living in poverty through local partners. It offers capital at 0% interest to local microfinance institutions.
2. The proposal is for Fundación Paraguaya to become a local partner, allowing it to access capital from 1x1Microcredit to finance microloans. Capital would be provided in Euros at 0% interest with a 6% fee per loan.
3. As a local partner, Fundación Paraguaya would be responsible for managing the loans, including disbursement and repayment. It would also help monitor impact and report outcomes to 1x1Microcredit.
Microcredit Organizations in Bangladesh
Microcredit organizations in Bangladesh include Grameen Bank, around 1500 non-governmental organizations (NGOs), commercial and specialized banks, and government programs. These organizations provide small, uncollateralized loans to impoverished individuals and groups to support entrepreneurship, alleviate poverty, and empower communities. Microcredit is sustained through financial regulations tailored to objectives, increasing customer base to boost savings, large coverage, and addressing development needs of the poor. The Microcredit Regulatory Authority regulates and supervises microfinance operations in Bangladesh.
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing F...
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing F...AfricaChinaUrbanInitiative
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing Finance in Africa ", Kecia Rust 07/30/2012
http://urban-africa-china.angonet.org/content/theme-2-financing-social-housing
URBANIS AFRICA ON THE STATE OF HOUSING MICRO-FINANCE IN AFRICA
Urbanis Africa delivered 330 houses and is yet to finalize of end user financing. Housing Micro-finance is key to growth of Affordable housing in Africa.
Affordable housing is a $30 billion market in Africa. The size of the market commands a huge potential for housing related Microfinance services.
Africa is almost as urbanized as China and has as many cities of 1 million people as Europe.
As a result 60% of Africa’s urban population lives in inadequate housing.
African Union for Housing Finance Conference: Affordable Housing Finance
IFC invests in affordable housing finance and development in Sub-Saharan Africa. In FY2013, IFC committed $3.5 billion to Sub-Saharan Africa projects, with housing as a priority. IFC finances the entire housing value chain, providing over $2.6 billion to 76 housing finance institutions who have issued $18.3 billion in loans to 1.9 million homeowners. Challenges to expanding affordable housing in Sub-Saharan Africa include insufficient developer capacity, weak business environments, and high interest rates.
More Related Content
What's hot
Micro finance 3
Microfinance aims to provide financial services like loans, savings, and insurance to low-income individuals who lack access to traditional banking. In India, microfinance grew out of efforts to provide credit to the poor, starting in the 1970s with organizations like Grameen Bank. The National Bank for Agriculture and Rural Development (NABARD) spearheaded India's microfinance program through partnerships with non-profits, banks, and cooperatives. Studies show microfinance has empowered women, improved health and education outcomes, and reduced dependency on informal lenders in rural India. However, some argue microfinance needs reforms to foster greater economic growth through support for real businesses and improved infrastructure.
NDIS: What, When, Where and Making it Real for all Australians, Bruce Bonyhad...
NDIS: What, When, Where and Making it Real for all Australians, Bruce Bonyhad...field - furthering inclusive learning and development
NDIS: What, When, Where and Making it Real for all Australians
Presentation to field AGM
Bruce Bonyhady AM, Chairman, Yooralla
16 November, 2012
Webinar on Bundling agriculture index insurance with financial and non financ...
Webinar on Bundling agriculture index insurance with financial and non financ...Impact Insurance Facility
Bundling index insurance with other financial and non-financial services can help scale agricultural insurance. It provides incentives for farmers to purchase insurance and opportunities for other stakeholders. Index insurance has been successfully bundled with credit in places like Mali, increasing farmer investment and incomes. Insurers like ACRE bundle products with farmer groups, banks, and input suppliers. Appropriate services to bundle with include credit, seeds/fertilizers, and complementary insurance covers. Key considerations for effective bundling include pricing affordability, evaluating value for all stakeholders, and delivering bundled products that protect farmer incomes.Chapter 1 Introduction Finca Micro Finance Bank
Introduction:
BACKGROUND & HISTORY:
Mission:
Village Banking:
Transformation of FINCA programs into micro banks:
Business Model:
Innovations and partnerships:
Celebrity support:
Countries where FINCA operates:
Microfinance
Microfinancing provides small loans and other basic financial services to low-income individuals who otherwise lack access to traditional banking services. It began in the 1970s with programs in Bangladesh and Brazil that made very small loans to rural poor groups, often women, to establish microenterprises and lift themselves out of poverty. Professor Muhammad Yunus pioneered microfinancing by founding Grameen Bank in Bangladesh in 1976, which today has over 6 million borrowers, most of whom are women. Microfinancing has since expanded globally and plays a key role in providing financial access to the poor in developing countries like India.
An Introduction to Microinsurances
An introductory presentation on microinsurances as a way to reduce poverty and vulnerabilities. Covers
1. general principles and approaches of microninsurances, including the linkage to poverty reduction and vulnerability; and
2. the value chains, actors and networks involved in making microinsurances work.
Held at a summer school on Development Policy at the University of Cologne in September 2009 (http://www.lateinamerika.uni-koeln.de/summerschool2009.html). It targets students with a general knowledge of development economics and politics (but without prior knowledge of microinsurances). In the seminar, the presentation was the frame for work sessions on microinsurance case studies (from CGAP), texts from the Microinsurance Compendium and a one-day country workshop on Colombia to which Jenny Hennig, GTZ, gave an additional input. Details on the course are available on request to martin.herrndorf@oikos-international.org.
People Capital - Opportunity For Lenders
People Capital connects lenders directly to student borrowers through an online lending platform, using a proprietary credit scoring model called the Human Capital Score to more accurately assess student borrowers' credit risk. The platform allows lenders to customize their investment strategies to target specific types of student loans based on risk and return preferences. People Capital aims to fill the over $113 billion gap in private student loan funding by improving credit risk analysis and streamlining the origination and servicing of student loans.
Intro to Micro-Financing
This document provides an overview of microfinancing and how it aims to help alleviate poverty. It discusses the two types of poverty, absolute and relative, and how absolute poverty affects over 1.5 billion people living on less than $1.25 per day. Microfinancing attempts to address this through small loans (microcredit) to help the poor establish small businesses or improve their economic circumstances. Key aspects covered include high repayment rates of microloans, the emphasis on female borrowers, and debates around the long-term effectiveness of microfinancing.
Affordable housing 19 12-2013
Wagane Diouf discusses key lessons learned in affordable housing development in Africa. Demand for housing between $15,000-$100,000 will not be met for 50 more years due to issues of affordability that can only be addressed through scale, cross-subsidization, design, and building on the outskirts of cities. Equity financing is the hardest to obtain and is best done through local private placements. The real obstacle to growth is end-user financing since 80% work informally so mortgages don't apply, and alternatives like tenancy purchase should be explored. Once equity and end-user financing are addressed, construction financing is easiest to secure. Incremental housing is only a viable solution for the
Customer education in agriculture insurance
Customer education in agriculture insurance is important to (1) achieve better understanding of how to mitigate risk, (2) create value for customers, and (3) help providers reach more clients and expand markets. There are challenges in developing responsible insurance through education including lack of awareness and poor risk perception, low demand and uptake, and lack of clear roles and adequate regulatory frameworks. Effective customer education approaches include using various engagement activities, marketing collaterals, workshops, and participation in local events to increase awareness and understanding of agricultural insurance.
A report on microcredit system in bangladesh
The document provides background information on microcredit in Bangladesh. It discusses the origins and modern development of microcredit, with a focus on pioneering institutions like Grameen Bank. It outlines the key principles of microcredit, including group lending and lending to women. It also examines the typical users and suppliers of microcredit services in Bangladesh, how borrowers use loans, and the economic and social impacts of microcredit programs.
International Bank for Reconstruction and Development
Previously called The World Bank, IBRD is the world wide known financial institute that provides loans to developing countries at a rate suitable according to their economy.
Challenges of Affordable Housing
The document outlines several challenges to housing affordability and availability in Vancouver:
1) Creating enough new rental units each year to meet growing demand, which is estimated to be 1,500 additional units per year.
2) Keeping pace with high rental demand to limit upward pressure on rental rates and maintain vacancies.
3) Incentivizing private developers to build new secure long-term rental apartments.
4) Developing affordable rental options for lower-income families given limited government funding for social housing.
Group Based Index Insurance
The document summarizes a field experiment conducted in Ethiopia to test the impact of providing index-based rainfall insurance to informal risk-sharing groups. The experiment randomized the type of training provided to group leaders on the insurance product, with some receiving individual-focused training and others receiving group-focused training emphasizing risk-sharing. Preliminary results found higher insurance take-up rates among members of groups whose leaders received the group risk-sharing training compared to individual training, suggesting such group-level products have potential to increase demand for index insurance.
Session 1 Luigi de Pierris, af db
Presentation Session 1: Luigi de Pierris
ISMED Annual Conference, Defining a Way Forward for Infrastructure Investment in the Middle-East and North Africa (MENA)
4 December 2014 - Paris, France
Microinsurance In India Oct 09
The document discusses micro-insurance practices and prospects in India. It introduces micro-insurance and describes common product types like loan-linked insurance, health insurance, and long-term insurance. It also examines the micro-insurance supply chain and popular distribution channels in India like MFIs, NGOs/CBOs, and government programs. Loan-linked life insurance dominates the Indian micro-insurance market.
Alhuda CIBE -Jaiz takaful insurance
This document discusses the potential for Islamic insurance (Takaful) and micro Takaful in Africa. It defines Takaful and micro Takaful and explains how they operate based on mutual assistance and cooperation. It highlights some successful Takaful developments in countries like Nigeria, Gambia, Kenya, and Zambia. It argues that Takaful is well-suited for Africa given its culture of caring and sharing. Micro Takaful could help improve livelihoods and financial well-being for low-income individuals. The document outlines various micro Takaful product types and concludes by taking questions.
1x1 m intro for mfi-feb13-1
1. 1x1Microcredit is a non-profit organization that provides microloans to support people living in poverty through local partners. It offers capital at 0% interest to local microfinance institutions.
2. The proposal is for Fundación Paraguaya to become a local partner, allowing it to access capital from 1x1Microcredit to finance microloans. Capital would be provided in Euros at 0% interest with a 6% fee per loan.
3. As a local partner, Fundación Paraguaya would be responsible for managing the loans, including disbursement and repayment. It would also help monitor impact and report outcomes to 1x1Microcredit.
Microcredit Organizations in Bangladesh
Microcredit organizations in Bangladesh include Grameen Bank, around 1500 non-governmental organizations (NGOs), commercial and specialized banks, and government programs. These organizations provide small, uncollateralized loans to impoverished individuals and groups to support entrepreneurship, alleviate poverty, and empower communities. Microcredit is sustained through financial regulations tailored to objectives, increasing customer base to boost savings, large coverage, and addressing development needs of the poor. The Microcredit Regulatory Authority regulates and supervises microfinance operations in Bangladesh.
What's hot (19)
NDIS: What, When, Where and Making it Real for all Australians, Bruce Bonyhad...
NDIS: What, When, Where and Making it Real for all Australians, Bruce Bonyhad...
Webinar on Bundling agriculture index insurance with financial and non financ...
Webinar on Bundling agriculture index insurance with financial and non financ...
International Bank for Reconstruction and Development
International Bank for Reconstruction and Development
Similar to Presentation kecia rust
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing F...
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing F...AfricaChinaUrbanInitiative
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing Finance in Africa ", Kecia Rust 07/30/2012
http://urban-africa-china.angonet.org/content/theme-2-financing-social-housing
URBANIS AFRICA ON THE STATE OF HOUSING MICRO-FINANCE IN AFRICA
Urbanis Africa delivered 330 houses and is yet to finalize of end user financing. Housing Micro-finance is key to growth of Affordable housing in Africa.
Affordable housing is a $30 billion market in Africa. The size of the market commands a huge potential for housing related Microfinance services.
Africa is almost as urbanized as China and has as many cities of 1 million people as Europe.
As a result 60% of Africa’s urban population lives in inadequate housing.
African Union for Housing Finance Conference: Affordable Housing Finance
IFC invests in affordable housing finance and development in Sub-Saharan Africa. In FY2013, IFC committed $3.5 billion to Sub-Saharan Africa projects, with housing as a priority. IFC finances the entire housing value chain, providing over $2.6 billion to 76 housing finance institutions who have issued $18.3 billion in loans to 1.9 million homeowners. Challenges to expanding affordable housing in Sub-Saharan Africa include insufficient developer capacity, weak business environments, and high interest rates.
African Union for Housing Finance Conference: Housing Finance Workshop DID Mi...
African Union for Housing Finance Conference: Housing Finance Workshop DID Mi...AfricaChinaUrbanInitiative
With more than 46 cities in Africa swelling to populations of a million people or more — and 17 of the world's 100 fastest-growing cities located in Africa — there is an acute need to develop housing solutions for so many urban residents. But raising the capital to meet that growing demand for housing remains a significant challenge. In 2013, the African Union for Housing Finance (AUHF) will host a conference under the theme "Raising Capital for Housing Finance.” The Africa-China Urban Initiative will organize a conference panel discussion on "Understanding (and harnessing) Chinese investment interest." Chinese investment in residential development in Africa is increasingly having an impact and demonstrating a track record of opportunity and experience. Panelists invited include Chinese investors setting out their experiences and expectations for the market and an African corporation that has received Chinese financing.
http://urban-africa-china.angonet.org/content/29th-annual-conference-mobilising-capital-housing-financeMicrofinance
Microfinance provides financial services to low-income clients who lack access to traditional banking. It addresses the financial needs of the poor for lifecycle events, emergencies, opportunities, and sending money. Common services include microcredit (small loans), microsavings, and insurance. Loans are typically made through group lending models with joint liability to reduce costs. Major microfinance models include JLG, SHG-bank linkage, and peer-to-peer lending. The microfinance industry has grown significantly but still only reaches 20% of those who could benefit from its services.
Dev mfb
This document contains a business plan for DevCap Microfinance Bank. It summarizes the market opportunity in Nigeria where over 70% of the population is classified as poor and over 40% live below the poverty line, yet traditional banks do not serve micro-enterprises due to perceived high costs and risks. DevCap MFB aims to fill this gap by providing financial services including microloans, savings products, and business support to low-income entrepreneurs and farmers. The plan analyzes the competitive landscape of microfinance in Nigeria and Lagos state, identifying over 200 microfinance banks operating in the region but with limited rural reach. It also profiles the characteristics of potential microfinance customers including financial exclusion rates, literacy, sources of income,
Making profits or changing lives: The Dilemma of commercializing Microfinance...
Making profits or changing lives: The Dilemma of commercializing Microfinance...Maarifa Consultants Limited
This document discusses the dilemma of commercializing microfinance services in Africa. It notes that while commercialization is advocated to close the gap between demand and supply of microfinance, the level of investment required to transform NGOs into profitable institutions is often overlooked. The document questions whether commercialization alone can achieve the goals of expanding outreach and improving efficiency. It argues that governments and donors will need to continue playing a key role in building sustainable microfinance institutions in Africa that can then attract private capital. The document provides background for a workshop to have a realistic discussion about strategies for increasing access to financial services for the poor.Micro Finance In India
Microfinance provides financial services to small businesses and entrepreneurs who lack access to traditional banking. It can include microcredit (small loans), savings, insurance, and money transfers. While microcredit helps the poor borrow to save and accumulate assets, it often charges high interest rates of 30-70% due to the high transaction costs of small loans. Some microfinance programs instead focus on "saving up" by having collectors regularly collect small savings amounts from clients. Overall, microfinance aims to help the poor raise incomes, build assets, and withstand financial shocks through accessible financial services.
Microfinance and the Global Financial Crisis
Microfinance and the Global Financial CrisisPhilippines-Australia Community Assistance Program (PACAP)
Mr. Dennis Monong from the People’s Credit and Finance Corporation puts the role microfinance plays in times of uncertainty in perspective. (Jan 29, PACAP Community Development Fourm - Microfinance Amidst the Global Financial Crisis)Micro-finance in rural india
Nationalized banks in India play an important role in microfinance in rural areas. Microfinance provides small loans, savings, and insurance to poor individuals and small businesses that lack access to traditional banking. While nationalized banks have expanded access to credit for rural Indians, they face limitations like a lack of experience with microfinance methods. Recommendations to improve microfinance through nationalized banks include developing a uniform legal framework, interest rates that cover costs, and programs that link credit to subsidies.
S Vohra Ceo Panel 4 Revised
This document outlines Citi's priorities and initiatives for supporting financial inclusion globally and in the Philippines. It discusses Citi's work in microfinance and microenterprise financing, financial education, small business support, and disaster response across over 40 countries. In the Philippines specifically, it details Citi's microfinance training programs, commercial loans to microfinance institutions, financial education programs for students and families, and awards for outstanding financial educators.
commercial investments in microfinance
This document discusses the growth of commercial investment in microfinance and the associated challenges. It notes that commercial investors are increasingly investing in microfinance due to the high returns, but this brings risks if financial gains are prioritized over social impact. Some of the challenges discussed are ensuring client protection, fair treatment of investees, and responsible investment that considers environmental, social and governance factors. The industry is working to address these challenges through expanding financial services for the poor, integrating client protection into investment policies, and treating investees fairly with balanced contracts.
Microlending Basics
Microfinance provides small loans, savings opportunities, and other financial services to low-income individuals who lack access to traditional banking. Muhammad Yunus founded Grameen Bank in 1983 to provide credit to the poor in Bangladesh without requiring collateral. Grameen Bank and microcredit more broadly have helped millions of people rise out of poverty by allowing them to start small businesses. While microcredit has significantly benefited many, concerns remain regarding interest rates and whether loans truly benefit women. Microfinance continues expanding to help alleviate global poverty.
Microfinance An Introduction
Presentation includes Introduction to Microfinance Industry, Business Process, Strategies, Key Challenges, Future Outlook and Special Issues like Urban Microfinance & Rating of Microfinance Institutions
The Future of Microfinance in Africa SAM 2015 - Plenary Day 9
The Promise of a Better Tomorrow
The continent’s long-term growth prospects are strong, propelled by both external trends in the global economy and internal changes in the continent’s societies and economies.
Presented by Michael Mithika, SAM Course Director - School of African Microfinance
Development opportunities and private sector lessons for Africa
Development opportunities and private sector lessons for AfricaIFAD International Fund for Agricultural Development
The World Council of Credit Unions (WOCCU) is a global trade association and development agency for credit unions worldwide. WOCCU's development priorities include remittances, microsavings, improving access and reducing costs. While private firms can lower remittance costs, they may not prioritize development goals like microsavings and microcredit. WOCCU advocates incentivizing development organizations to tackle consumption-related goals, and allowing private firms to reduce costs and improve access. WOCCU also operates financial services groups to offer remittances and diversify revenue streams.Mutuals utilizing technology to increase financial inclusion
Presentation made by David Ronoh (Managing Director - CIC Life Assurance Ltd, CIC Insurance Group, Kenya) at the 6th ICMIF Development Network Seminar (1-2 November 2012; Nairobi, Kenya)
2015 cahf yearbook-22.10.2015.compressed
This document provides an overview and summary of the 2015 Housing Finance in Africa Yearbook published by the Centre for Affordable Housing Finance in Africa (CAHF). The yearbook contains profiles of 48 African countries and 5 regions that describe recent developments in housing finance markets. It aims to inform housing practitioners, investors, researchers and policymakers. This year's edition added 5 new country profiles and updated data. The yearbook highlights innovation in housing financing, growing interest from investors in residential markets, and efforts by governments to enable affordable housing development.
Financial needs for microenterprises in Latin America & The Caribbean
A concise summary of problems, and financial needs for microenterprises in Latin America and the Caribbean.
Delivering Innovations to scale up Mobile Financial Services for Financial In...
The document discusses financial inclusion in Africa through mobile financial services. It notes that Africa leads the world in mobile financial service deployments, with close to 80% of adults in Africa being unbanked. It identifies barriers like regulations, interoperability issues, and financial illiteracy that limit adoption. Opportunities exist in providing innovative services to individuals, small businesses, women, and for access to utilities. Mobile technology can help scale financial inclusion by connecting sources and destinations of funds through integrated mobile wallet platforms.
Similar to Presentation kecia rust (20)
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing F...
Pro-Poor Urban Development: China and Africa Workshop - "Affordable Housing F...
URBANIS AFRICA ON THE STATE OF HOUSING MICRO-FINANCE IN AFRICA
URBANIS AFRICA ON THE STATE OF HOUSING MICRO-FINANCE IN AFRICA
African Union for Housing Finance Conference: Affordable Housing Finance
African Union for Housing Finance Conference: Affordable Housing Finance
African Union for Housing Finance Conference: Housing Finance Workshop DID Mi...
African Union for Housing Finance Conference: Housing Finance Workshop DID Mi...
Making profits or changing lives: The Dilemma of commercializing Microfinance...
Making profits or changing lives: The Dilemma of commercializing Microfinance...
The Future of Microfinance in Africa SAM 2015 - Plenary Day 9
The Future of Microfinance in Africa SAM 2015 - Plenary Day 9
Development opportunities and private sector lessons for Africa
Development opportunities and private sector lessons for Africa
Mutuals utilizing technology to increase financial inclusion
Mutuals utilizing technology to increase financial inclusion
Financial needs for microenterprises in Latin America & The Caribbean
Financial needs for microenterprises in Latin America & The Caribbean
Delivering Innovations to scale up Mobile Financial Services for Financial In...
Delivering Innovations to scale up Mobile Financial Services for Financial In...
More from snb9899
Transformation
This document discusses the transformation of microfinance in India based on international experiences and the Indian context. It outlines challenges facing microfinance organizations (MFOs) in India related to size, diversity of services, financial sustainability, and tax status. Options for transformation include becoming a non-banking financial company (NBFC), cooperative, or local area bank. The document argues MFOs need flexibility to grow and offer diverse products while maintaining financial self-sufficiency through prudent costs and revenue targets. It suggests regulatory implications should allow MFOs organic growth, expansion in service areas, and NGO investment in for-profit MFOs.
Wwb nancy barry
The document discusses building domestic financial systems that serve low-income populations, especially women. It outlines that microfinance institutions currently serve about 18 million clients across 40 countries. The key is building retail capacity through a range of financial institutions and products that meet the needs of the poor, especially savings, insurance, housing loans and flexible working capital. Country policies need supportive regulations, legal structures and performance standards to encourage the growth of sustainable microfinance.
T beck
The document discusses indicators used to measure financial access and participation. It distinguishes between measuring observed access levels and understanding what drives access. New data sources like surveys of financial institutions can provide insights into geographic and socioeconomic dimensions of access as well as the "bankability" of potential clients. Randomized experiments are highlighted as a way to rigorously assess relationships between access, financial development outcomes, and economic and social impacts.
Sirtaine (1)
IT can help microfinance in two key ways: assessing loans and reaching more clients, especially in rural areas. However, low connectivity, costs, and other obstacles make this difficult. Creative solutions are emerging, like using public infrastructure like post offices or creating own IT networks through internet, satellite, or cellular technologies with low-cost devices in stores. The World Bank can help by building IT infrastructure, increasing telecom competition, and supporting creative solutions through regulations and incentives.
Track 2 b mor-icici microfinance bank
The document discusses ICICI Bank's efforts to expand access to microfinance in India by partnering with microfinance institutions (MFIs). It outlines some of the challenges with traditional MFI models and describes a new partnership model developed by ICICI Bank. The model involves ICICI Bank lending directly to low-income clients through MFIs, while also providing MFIs with an overdraft limit to share risk. This allows for more efficient use of capital compared to previous models.
Sourcefinance
There are internal and external sources of finance available for business growth. Internal sources include reinvesting profits and selling assets. External long-term sources are shares (ordinary and preference) and long-term loans such as debentures, while short-term sources include overdrafts, trade credit, factoring, and leasing. External sources also allow for inorganic growth through mergers and acquisitions requiring large amounts of financing. Business angels and venture capital are other sources that provide capital for growing businesses.
Se mirg 24_sept
The document provides an overview of microfinance and key concepts related to serving low-income customers. It defines microfinance as providing financial services to low-income clients, such as credit, savings, insurance, and money transfers. It discusses definitions and frameworks like the "bottom of the pyramid" and challenges common assumptions about the poor not having purchasing power or being brand conscious. Specific examples from India are provided, such as a Hindustan Unilever program that trained women entrepreneurs as distributors in rural villages and an ITC program that connected farmers to online prices.
Sanchetna ria
The document provides an overview of a rapid institutional assessment conducted of Sanchetna Financial Services Pvt. Ltd. by MicroSave. Key areas assessed include board governance, business plan, management systems, human resources, financial management, microfinance characteristics and performance. The assessment found the organization's board composition and senior management team to be strong, but identified areas for improvement in documentation, internal controls, and developing more sophisticated software.
Sample guide tomicrofinance
Microfinance in India operates through microfinance institutions and NABARD's Self Help Group bank linkage programme. Women account for most microfinance clients. The industry has grown significantly in Southern states like Andhra Pradesh. The government introduced a bill to regulate microfinance organizations and establish a regulatory body. The industry is characterized by low penetration levels, high growth of private equity and venture capital, and high interest rates charged to clients. Major players in the industry include Company 1, Company 2, and Company 3.
Samer abudalo
The collection average rate of microfinance firms in Jordan is 92-99%. These firms have high collection rates due to their strong organizational structures, which include boards of directors, general managers who oversee departments like operations, finance, marketing, and human resources. Previously, firms faced difficulties like client duality where a client could take loans from multiple firms. However, firms now have an agreement to share client data through an online system to prevent this. Microfinance in Jordan aims to improve standards of living and reduce poverty through financial and training services that support small businesses and entrepreneurs.
Rinne
The document discusses microfinance and the role of law and legal counsel. It provides an overview of how microfinance intersects with various legal areas like transactions, debt, equity, and regulations. It also discusses the different roles of international versus local legal counsel. The document then focuses on the organization Unitus, which partners with microfinance institutions around the world to expand access to financial services for the poor. It outlines Unitus' selection process for partnering with MFIs and describes some of Unitus' legal needs.
Ratan mf tech_path_bmgf
The document discusses the potential for information and communication technologies (ICTs) to enable microfinance in India. It notes that while microfinance has grown significantly, reaching over 33 million households, traditional providers of financial services to low-income groups are declining. Case studies show how ICTs like mobile phones can reduce costs and improve data quality for microfinance organizations by streamlining processes like customer profiling and account management. However, the value of ICTs depends on factors like delivery models, operational efficiency, and balancing technology and labor costs. Hybrid approaches that accurately match technologies to functions are most promising.
Presentation materials measuring performance
This document summarizes a framework for measuring the performance of microfinance institutions through standardized financial reporting and analysis. It outlines financial statements including an income statement, balance sheet, cash flow statement, portfolio report, and non-financial data report. It provides definitions and examples of line items for each statement to allow for meaningful analysis and monitoring of microfinance institutions according to international financial reporting standards.
Pe1 050401a1 en
This document discusses promoting gender-sensitive entrepreneurship through microfinance institutions. It provides considerations for making programs, policies, services, and organizational structures appropriate for both men and women, including those in HIV/AIDS-prevalent areas. Some recommendations include ensuring needs of different groups of women are addressed; involving women in decision-making; monitoring women's involvement; and creating a gender-sensitive culture through training and policies. The goal is to acknowledge gender differences and help more women access opportunities through entrepreneurship.
Overview of mis mr. ramachandran
The document discusses the role of technology in microfinance institutions (MFIs) in India. It notes that MFIs serve over 33 million people but have high operating costs due to low-value transactions. Technology can help automate transactions, standardize products, and increase efficiency. The document outlines the information needs of different stakeholders and components needed for an effective management information system (MIS) to support operations, management, reporting, and strategic decision-making. It provides examples of how the organization BASIX has successfully implemented technology solutions to enhance its microfinance services.
N srinivasan
1) Microfinance in India saw high growth rates in 2008-2009, with MFIs adding more new clients than the self-help group banking linkage program (SBLP). 2) Total microfinance clients increased from 61.2 million to 76.6 million, with MFI loan volumes growing from Rs. 59.5 billion to Rs. 117.34 billion. 3) The top five MFIs - SKS, Spandana, Share, Bandhan, and Asmita - accounted for over 88% of total MFI loans and served over 11 million clients collectively.
Niamh goggin
The document summarizes research conducted on the supply side of financial services for those who are financially excluded in southeast England. It finds that current microfinance providers are meeting only 5.7% of estimated demand and that there are coverage gaps in certain geographical areas and for borderline micro/small business loans. For sustainability, microfinance organizations need to focus on outreach, performance measurement, and average loan sizes that are larger percentages of local average incomes. The research implications are that standalone microfinance institutions will not survive and that the government needs to take a strategic, long-term approach to addressing financial exclusion.
Mr ali-shaker,first-day-second-meeting-16-8-2009
This document discusses the role of commercial banks in microfinance. It begins by defining microfinance and describing its clients and potential demand. It then discusses the reluctance of commercial banks to engage in microfinance due to perceived costs and risks, despite advantages like branch networks. Successful microfinance programs require senior management commitment, supportive policies, specialized structures, flexible lending practices, well-trained staff, and cost effectiveness. Features of successful programs include sustainability, matching funds, employment, and strong loan repayments. The document argues that microfinance has become a suitable business for banks seeking new revenue from retail customers.
Microfinance annie
The document provides an overview of microfinance in India, including its challenges and potential solutions. It discusses how microfinance aims to provide financial services to the poor through group lending models. However, there are still many gaps in access, with over 500 million poor Indians unserved. Scaling up microfinance further requires increasing access to risk capital and long-term financing for microfinance institutions, as well as improving staff training and the use of technology like low-cost ATMs. Partnerships between banks and microfinance institutions could help address these challenges to expanding financial inclusion in India.
Measuring performance of microfinance institutions a framework for reportin...
This document provides an overview and summary of the "Measuring Performance of Microfinance Institutions: A Framework for Reporting, Analysis, and Monitoring" framework developed by the SEEP Network Financial Services Working Group. The framework aims to standardize financial terms, ratios, and adjustments for microfinance performance monitoring. It includes chapters on financial statements, analytical adjustments, financial ratios and indicators, and promoting adoption of the framework. The summary highlights key aspects of each chapter, including recommended financial reports, adjustments, and standardized ratios for analyzing and benchmarking microfinance institution performance.
More from snb9899 (20)
Measuring performance of microfinance institutions a framework for reportin...
Measuring performance of microfinance institutions a framework for reportin...
Recently uploaded
Economic Risk Factor Update: June 2024 [SlideShare]
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.
5 Tips for Creating Standard Financial Reports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
Unlock Your Potential with NCVT MIS.pptx
The NCVT MIS Certificate, issued by the National Council for Vocational Training (NCVT), is a crucial credential for skill development in India. Recognized nationwide, it verifies vocational training across diverse trades, enhancing employment prospects, standardizing training quality, and promoting self-employment. This certification is integral to India's growing labor force, fostering skill development and economic growth.
Independent Study - College of Wooster Research (2023-2024)
"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.
Ending stagnation: How to boost prosperity across Scotland
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?
The state of welfare Resolution Foundation Event
How has Britain’s safety net changed since 2010 and what comes next?
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
真实可查(nwu毕业证书)美国西北大学毕业证学位证书范本原版一模一样
原版定制【微信:bwp0011】《(nwu毕业证书)美国西北大学毕业证学位证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
Who Is Abhay Bhutada, MD of Poonawalla Fincorp
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.
OAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
How will new technology fields affect economic trade?
Enhancing Asset Quality: Strategies for Financial Institutions
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.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
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."
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
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
在线办理(GU毕业证书)美国贡萨加大学毕业证学历证书一模一样
学校原件一模一样【微信：741003700 】《(GU毕业证书)美国贡萨加大学毕业证学历证书》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Seeman_Fiintouch_LLP_Newsletter_Jun_2024.pdf
The Impact of the 2024 Indian
Election Beyond Borders
01. Investment Gyan
02. Market Update
03. Inspiration investment story
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightnessLabour Market Information Council | Conseil de l’information sur le marché du travail
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.快速制作美国迈阿密大学牛津分校毕业证文凭证书英文原版一模一样
原版一模一样【微信：741003700 】【美国迈阿密大学牛津分校毕业证文凭证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Recently uploaded (20)
Economic Risk Factor Update: June 2024 [SlideShare]
Economic Risk Factor Update: June 2024 [SlideShare]
Upanishads summary with explanations of each upnishad
Upanishads summary with explanations of each upnishad
Independent Study - College of Wooster Research (2023-2024)
Independent Study - College of Wooster Research (2023-2024)
Ending stagnation: How to boost prosperity across Scotland
Ending stagnation: How to boost prosperity across Scotland
Applying the Global Internal Audit Standards_AIS.pdf
Applying the Global Internal Audit Standards_AIS.pdf
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
OAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
OAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
Enhancing Asset Quality: Strategies for Financial Institutions
Enhancing Asset Quality: Strategies for Financial Institutions
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightness
Presentation kecia rust
- 1. THE STATE OF HOUSING MICROFINANCE IN AFRICA African Union for Housing Finance Annual General Meeting and Annual Conference “ Housing Finance - A Public-Private Partnership” Joaquim Chissano International Conference Centre Maputo, Mozambique 8-11 September, 2009 Kecia Rust (kecia@iafrica.com)
- 5. A growing sector… Borrowers HMF Retailers Investors: public / private / institutional Wholesale lender Private equity firms / hedge funds Donors HMF Retailers Rating Agency Provides support and spurs on community organisation around land and infrastructure issues Acts as a type of guarantor and grades institutions Bank NGO, building material suppliers, etc. Work individually or together to finance HMF retailer: loans, equity, guarantees
- 6. A growing sector… lenders Third tier Second tier First tier Category Description / examples County Informal, locally established (susu, umpato) Savings based, locally defined. Approach and use of funds defined by group: individual or collective loans All countries – lessons? Community based shelter funds Usually donor supported (i.e. Slum Dwellers International) largely collective loans, targeted at most poor Trust Fund of the Housing People of Zimbabwe, WAT Human Settlements Trust in TZ; Angola, Namibia; Kenya Cooperatives and credit unions (Saccos) Individual loans for housing often a coincidental focus NACHU in Kenya; WAT SACCOs in TZ; Namibia; Zambia Non-bank Micro lenders (credit-only) Origins in housing delivery / shelter NGOs that saw demand for finance Kuyasa Fund & Lendcor in SA; Zambia Low Cost Housing Development Fund; Origins in microcredit for SMMEs; housing the next progression. Uganda Microfinance Ltd; Jamii Bora in Kenya; PRIDE in TZ; others… Microfinance banks (deposit taking and lending to members and sometimes non-members) Usually when micro lenders convert to banks to access capital - a focus on housing loans usually comes later K-Rep in Kenya; Zambia National Building Society; Pulse Holdings in Zambia; African Bank, and Capitec Bank in SA; etc. State owned banks offering microloans Trend is now moving away from these as many sustained losses Ghana, Tanzania, Guinea, Uganda,… Commercial banks offering microloans SA banks have offered unsecured loans for some time. The NCR estimates that 10-30% of these are used for housing. Standard Bank, ABSA in SA; Indo-Zambian Bank; Namibia, Tanzania…
- 8. … with growing demand (urban)
- 9. … with growing demand (urban) No. of potential borrowers (assuming one per household) Average loan size (HDI proxy or avg) x = Estimated total value of the market ($) Avg $700 (DiD figure) Morocco $1150 South Africa $430 Kenya $533 Uganda $942 Ethiopia $228 Benin $666 Rwanda $350
- 10. … with growing demand (urban)