PWN Global President, Marijo Bos and PWN Mardid President, Rose-Marie Losier, present the global results from the PWN Global Women and Moeny study to an audience at IE Business School. Take a look at how women's perception and understanding of money can really impact on their careers and lives.
As RYE specialists, we always have our youth in focus. But sometimes we are far removed from the daily reality of our youth and we don´t even recognize it. Learn from experienced Rotex volunteers how the young organization works worldwide and how it could enrich and simplify your work in RYE in your task areas. A guide to founding and building Rotex in your district. Facilitators: Felix Dumschat, Jan Betz, Helen Salminen, and Shang-Han Lee
As RYE specialists, we always have our youth in focus. But sometimes we are far removed from the daily reality of our youth and we don´t even recognize it. Learn from experienced Rotex volunteers how the young organization works worldwide and how it could enrich and simplify your work in RYE in your task areas. A guide to founding and building Rotex in your district. Facilitators: Felix Dumschat, Jan Betz, Helen Salminen, and Shang-Han Lee
Melbourne International Student Conference 2016: The New Work Order Meld Magazine Inc.
A report from The Foundation for Young Australians (FYA) has revealed young people will be the hardest hit under a new future of work, as the economy and labour market undergo significant changes over the coming decades.
Attracting and retaining the next generation of talentJennifer Falzon
It is clear that the dynamics and demographics of the Canadian workforce are changing. Currently, more than 50 per cent of the Canadian workforce is comprised of Millennials, those roughly born between 1980 and 2000. This is a staggering and important change for all industries in Canada.
The report aims to provide organizations with new approaches and opportunities to attract, engage and most importantly, retain these workplace game-changers. With high levels of student debt and a youth unemployment rate twice the national average, the next two generations of talent have new needs, expectations and are hungry for experience.
Learn how your organization can build a desirable employer brand by connecting and investing in students, foster talent despite the risk of mobility and create a nurturing environment for the next two generations of employees. There will be a direct correlation between the success and growth of your organization and its ability to attract and engage Gen Y & Z.
yconic owns and operates the largest youth market research panel in Canada. Over 550,000 youth between the ages of 13 and 30 have opted in to participate in our consumer surveys. We help our partners gain key insights into the youth demographic, leading to better marketing and product decisions for the teen and young adult market. For more information, visit we.are.yconic.com.
Engaging Active and Passive Jobseekers - A spotlight on Europe and Asia-PacificKelly Services
The Kelly Global Workforce Index (KGWI) is an annual global survey revealing opinions about work and the workplace. Almost 230,000 people across the Americas, EMEA and APAC regions responded to the 2014 survey.
This first installment, on the topic, Engaging Active and Passive Job Seekers, examines the nature of the contemporary job search process from a candidate’s perspective across Europe and Asia-Pacific
Engaging Your High Potentials: Retain Your Key Talent through Career DevelopmentThe HR Observer
• Revamping your succession planning and career development programmes to engage your HiPos
• Getting HiPo motivation right - which opportunities really engage high potentials and which act to demotivate?
• Taking the generational factor into account: strategies for assessing and engaging with your Gen Y and Millennial HiPos
David Jones, Managing Director, The Talent Enterprise
Radhika Punshi, Consulting Director, The Talent Enterprise
LHBS constantly collects signs of changing behavior in culture, markets, and technology. One of the key demographics involved in these changes is young women.
Through researching what is driving values and decisions– and therefore needs– of young women today, some of the most significant factors at play are perhaps found in their prevailing attitudes towards work and career.
We would like to share some of our research into the work and career of young women, which explores several important trends and trajectories of this important demographic, and offers some of the implications for businesses looking to establish a working environment where young women feel not only valued, but also positively challenged.
Women in business: from classroom to boardroom
Grant Thornton International Business Report 2014
We have been tracking the proportion of women in senior management since
2004 and the research this year finds that the proportion of women in the
most senior roles has stagnated at 24% - the same as the result in 2012, 2009
and 2007. The question this raises is: what are the roadblocks on the path
to senior management?
Od 2014 roku śledzimy liczbę kobiet na stanowiskach menedżerskich. Tegoroczne badania wskazują, że ich udział procentowy wśród najważniejszych osób w firmie zatrzymał się na poziomie 24% - czyli takim samym jak w 2012, 2009 i 2007. Rodzi się pytanie - jakie bariery spotyka kobieta na drodze do wyższych stanowisk?
24%: that is the proportion of women holding the most senior roles in businesses across the globe. We have been tracking this figure over the past decade and are sorry to report there has been no significant movement. In fact, this figure is exactly the same as 2007, 2009 and 2013, suggesting that women’s ascent up the corporate ladder has returned to its ‘natural level’ following the financial crisis, during which women were disproportionately hit.
Closing the gender pay gap in Singapore_ IWD'17 researchAccenture ASEAN
Globally, for every $100 a woman makes, a man makes $258. Our research identifies three powerful ways to help close this pay gap if business, government and academia provide critical support—and their combined impact is extraordinary.
Melbourne International Student Conference 2016: The New Work Order Meld Magazine Inc.
A report from The Foundation for Young Australians (FYA) has revealed young people will be the hardest hit under a new future of work, as the economy and labour market undergo significant changes over the coming decades.
Attracting and retaining the next generation of talentJennifer Falzon
It is clear that the dynamics and demographics of the Canadian workforce are changing. Currently, more than 50 per cent of the Canadian workforce is comprised of Millennials, those roughly born between 1980 and 2000. This is a staggering and important change for all industries in Canada.
The report aims to provide organizations with new approaches and opportunities to attract, engage and most importantly, retain these workplace game-changers. With high levels of student debt and a youth unemployment rate twice the national average, the next two generations of talent have new needs, expectations and are hungry for experience.
Learn how your organization can build a desirable employer brand by connecting and investing in students, foster talent despite the risk of mobility and create a nurturing environment for the next two generations of employees. There will be a direct correlation between the success and growth of your organization and its ability to attract and engage Gen Y & Z.
yconic owns and operates the largest youth market research panel in Canada. Over 550,000 youth between the ages of 13 and 30 have opted in to participate in our consumer surveys. We help our partners gain key insights into the youth demographic, leading to better marketing and product decisions for the teen and young adult market. For more information, visit we.are.yconic.com.
Engaging Active and Passive Jobseekers - A spotlight on Europe and Asia-PacificKelly Services
The Kelly Global Workforce Index (KGWI) is an annual global survey revealing opinions about work and the workplace. Almost 230,000 people across the Americas, EMEA and APAC regions responded to the 2014 survey.
This first installment, on the topic, Engaging Active and Passive Job Seekers, examines the nature of the contemporary job search process from a candidate’s perspective across Europe and Asia-Pacific
Engaging Your High Potentials: Retain Your Key Talent through Career DevelopmentThe HR Observer
• Revamping your succession planning and career development programmes to engage your HiPos
• Getting HiPo motivation right - which opportunities really engage high potentials and which act to demotivate?
• Taking the generational factor into account: strategies for assessing and engaging with your Gen Y and Millennial HiPos
David Jones, Managing Director, The Talent Enterprise
Radhika Punshi, Consulting Director, The Talent Enterprise
LHBS constantly collects signs of changing behavior in culture, markets, and technology. One of the key demographics involved in these changes is young women.
Through researching what is driving values and decisions– and therefore needs– of young women today, some of the most significant factors at play are perhaps found in their prevailing attitudes towards work and career.
We would like to share some of our research into the work and career of young women, which explores several important trends and trajectories of this important demographic, and offers some of the implications for businesses looking to establish a working environment where young women feel not only valued, but also positively challenged.
Women in business: from classroom to boardroom
Grant Thornton International Business Report 2014
We have been tracking the proportion of women in senior management since
2004 and the research this year finds that the proportion of women in the
most senior roles has stagnated at 24% - the same as the result in 2012, 2009
and 2007. The question this raises is: what are the roadblocks on the path
to senior management?
Od 2014 roku śledzimy liczbę kobiet na stanowiskach menedżerskich. Tegoroczne badania wskazują, że ich udział procentowy wśród najważniejszych osób w firmie zatrzymał się na poziomie 24% - czyli takim samym jak w 2012, 2009 i 2007. Rodzi się pytanie - jakie bariery spotyka kobieta na drodze do wyższych stanowisk?
24%: that is the proportion of women holding the most senior roles in businesses across the globe. We have been tracking this figure over the past decade and are sorry to report there has been no significant movement. In fact, this figure is exactly the same as 2007, 2009 and 2013, suggesting that women’s ascent up the corporate ladder has returned to its ‘natural level’ following the financial crisis, during which women were disproportionately hit.
Closing the gender pay gap in Singapore_ IWD'17 researchAccenture ASEAN
Globally, for every $100 a woman makes, a man makes $258. Our research identifies three powerful ways to help close this pay gap if business, government and academia provide critical support—and their combined impact is extraordinary.
Millennials, Generation Y - born between 1980 - 2000, how they respond to work ethics, their behavior at the workplace, how they like to manage work-life balance, and how the organizations should manage in order to compete in future.
This presentation by …. was made at the first session of the 2nd OECD-GFLEC Global Research Symposium to Advance Financial Literacy on 6 November 2014, which addressed cutting-edge policy issues and research ideas to advance the global financial literacy agenda. Find out more at http://www.oecd.org/daf/fin/financial-education/oecd-infe-gflecsymposiumfinancialliteracy.htm
The Future of Work: Using Tech to Empower in the Digital EconomyTess Gilman Posner
Learn about the trends shaping the future of work and why it matters for us today.
Live broadcast at http://video.citris.berkeley.edu/playlists/webcast/.
Ask questions live on Twitter: #CITRISRE. All talks may be viewed on
our YouTube channel.
Similar to PWN Global Women and Money, Madrid, February 2014 (20)
PWN Global Webinar Series: Change Management - Magic or a Developable Skill?PWNGlobal
Michelle Brailsford, Former VP of New Networks and Sustainability for PWN Global and Former Head of OD, BBC Worldwide shares her views about Change. She shares data about 4 change leadership behaviours that are proven (Sustaining Change by Deborah Rowland & Malcolm Higgs) to drive successful change and how the BBC Worldwide developed those change capabilities during her period of tenure in 2011-2013. In addition, she talks about how feminine strengths, when leveraged, can help female leaders be great change agents.
Michelle Brailsford is also an executive coach and change management consultant who helps high-achieving executives make bold changes to how they lead their organization. Her ethos of ‘Adding life back into work’ will result in more productivity and less resistance, more clarity and less confusion, more positivity and less cynicism. You can contact Michelle at Michelle@JupiterConsultingGroup.com
To be part of these live webinar sessions, join PWN Global today: http://www.pwnglobal.net/join-us.
PWN Global is a dynamic fast-growing offline and online networking and leadership development platform for professional women of all sectors and industries. With over 3,500 members and more than 90 nationalities, our volunteer-led organisation delivers over 600 events a year in our community of 24 city networks. We welcome you to our events; as a mentor or mentee; to explore our rich knowledge and resources; to learn, grow and leave your legacy, whilst volunteering across the Federation and our City Networks.
www.pwnglobal.net
@PWNGlobal
EPWN Federation VP Treasurer, Anne Frisch delivered this keynote on at the French Bavarian Business Dinner 27.11.13. To be read in conjunction with PPT slide deck.
A great insight into how women are advancing in Germany and the value of inclusive leadership.
EPWN is a dynamic fast-growing offline and online networking and leadership development platform for professional women of all sectors and industries. With nearly 3000 members and more than 90 nationalities, EPWN organizes over 600 events a year in our community of 23 city networks. We welcome you to our events; as a mentor or mentee; and to explore our rich knowledge and resources across the Federation and our City Networks.
Join today: https://epwn.memberclicks.net/join-us
EPWN President Marijo Bos presents to over 80 senior professional women to discuss the benefits and challenges of cross-cultural leadership. Want to find out more about how EPWN can support your business with good governance, gender balanced leadership and advancement? Contact us today at www.epwn.net
Maximising Your Leadership Potential - From Caution to CouragePWNGlobal
The Women in Business (WIB) Committee of the American-Hellenic Chamber of Commerce hosted the 2nd Women Leader Luncheon with Marijo Bos, President, European Professional Women’s Network (EPWN) on September 26, 2013 at the Hotel Grande Bretagne.
Marijo Bos provided an inspiring and dynamic speech on maximizing leadership potential: from caution to courage, and stressed during these challenging times executives should exercise their potential to be more courageous in realizing their vision and goals.
EPWN Presentation on Diversity in the Boardroom Sept 2013PWNGlobal
Presentation delivered by EPWN President, Marijo Bos at John Hopkins SAIS Women on Boards Conference. This presentation shows the need for diversity and inclusion in the boardroom.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
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how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
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 telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Greek trade a pillar of dynamic economic growth - European Business Review
PWN Global Women and Money, Madrid, February 2014
1. WOMEN & MONEY,
BETWEEN CONTROL &
COMPLEXITY
Madrid, IE Business School,
February 18th, 2014
Marijo Bos, President PWN Global
Rose-Marie Losier, President PWN Madrid
3. WE BELIEVE PWN SHOULD PLAY A ROLE
There are variations in wage gaps up to 20% in
some sectors
(E)PWN Paris initiated the Women & Money
survey and we saw that it would make sense to
launch it big in Spain and take a stronger position
4. WOMEN WERE ENTHUSIATIC ABOUT MONEY TALK
1%
1%
1% 1%
1% 2%
2%
2%
A first surprise:
3500 members
823 questionnaires
Response rate 24%
3%
29%
3%
4%
4%
5%
5%
10%
7%
9%
Page 4
8%
2/20/2014
Denmark
Sweden
No reponse
Other
Turkey
Poland
Ireland
Austria
Belgium
Romania
Norway
UK
Portugal
Germany
Switzerland
Spain
Italy
Netherlands
France
6. Despite carrying a large
financial responsibility,
highly educated working
women in Spain take a
passive approach to
managing their current and
future finances.
8. DREAMS IN PROGRESS
Dreams of independence
28%
19%
13%
6%
Earn more money
Page 8
Voluntary work
Travel
Artistic activities
2/20/2014
9. Money management
Saving / Security / For rainy days
Careful planning and adjusting
Stay out of debts
Plan retirement
Invest early in property, in a house at your first job,
Total
Towards
children
24%
24%
12%
14%
12%
86%
from
parents
26%
19%
12%
2%
59%
Independance
independance / freedom
37%
16%
Take distance
Enjoy life / Be yourself
Money is a mean, not a goal /can't buy happiness
Total
12%
14%
26%
6%
6%
12%
Total
28%
11%
39%
9%
3%
12%
Total
22%
16%
38%
The way to money
The way to money
Working experience
Work hard / work to deserve money
Education
Develop your career
Manage your salary (ask for more, negotiate)
Find balance between work and family
Learn to manage and place your money, learn accounting
24%
20%
10. WOMEN & MONEY,
BETWEEN CONTROL & COMPLEXITY
Profile of respondents
> 44% (47%)* are between 41 and 50 years old, 29% (33%) between 31 and 40
> Average age is 42
> 48% are women living with a partner and two children
> 71% have at least university and postgraduate studies
> Business and management (40%), science (24%), law and finance (23%) or
liberal arts (13%)
> 86% work full time
> +60% (55%) work for a large company, 26% (33%) are entrepreneurs, 10%
unemployed
> 41% (55%) cumulate between 11 and 20 years of experience, 34% (30%)
between 21 and 30 years
Solid academic footing and economically sound
*Spain figures in brackets
Page 10
2/20/2014
12. WOMEN & MONEY,
BETWEEN CONTROL & COMPLEXITY
Professional commitment
> 80% think success is essentially linked to a professional career enabled by
higher education
> Meritocratic values push women in professional life
> Work means first and above all independence (74%), next an opportunity for
development (62%), of a necessity in life (56%). Pleasure only comes in 4th
position (42%)
> 93% (75%) feel they do not spend enough time with their families
> 52% (43%) earn higher salaries than their partner
High investment in higher education and in their careers
Page 12
2/20/2014
13. WOMEN & MONEY,
BETWEEN CONTROL & COMPLEXITY
Work environment favorable for men
• Only 37% (48%) think that women and men are treated
with equality in the companies they are working in
• The further away from HR processes (training,
recruitment, work/life balance...) and closer to
management process linked to power the higher the
inequalities are.
• Men are favored in terms of career management (60% 49%), pay increases (61%) and career advancement
(76%-63%)
• Work/life balance is, ironically, the only domain where women
feel they are slightly better taken into consideration (23%-31%),
which enables them to continue to lead their double days!
Implicitly this position contributes to preventing men from
taking a stronger involvement in their home and family lives.
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14. WOMEN & MONEY,
BETWEEN CONTROL & COMPLEXITY
Weak reaction to questions linked to remuneration
• 75% (83%) are not satisfied with their remuneration,
although being privileged women, both by their studies
and their professional experience
• 69% (81%) do not speak about their salary with friends
• 66% do not ask for pay raises
• 60% find it difficult to ask for a pay raise
• 49% do not feel well-armed to negotiate their salary
• 38% (30%) do not know if their salary is equivalent to
that of a male
The ´´model student complex´´ I worked hard at school, I perform well in my
company, I expect someone to notice my efforts and reward me with a raise
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15. WOMEN & MONEY,
BETWEEN CONTROL & COMPLEXITY
A strong commitment to personal finance
> 91% know how much income taxes they pay
> 90% know their revenues (fixed salary, variable salary, bonus etc.) within 5000
euros
> 90% own their own assets (personal savings for 71% (69%), a personal retirement
plan for 59 % (69%), real estate for 53% ( 49%))
> 80 % fill in their tax forms, alone or with their partner
> 71 % (84%) share a joint account for household expenses
However, 67% do not know what income to expect
when retiring and only 42% are actively preparing for
retirement
Can this paradox be explained by their overall
relationship with money?
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16. WOMEN & MONEY,
BETWEEN CONTROL & COMPLEXITY
The relationship with money: a complex subject but managed rationally
•
54% have a hard time talking about money as it relates
to their personal finances, and the rate increases to 70%
at work.
• Respondents define money functionally: for 85% (95%),
it means security or else a means to achieve an end or
objective for 64%.
• Only a third link money to values such as recognition
(39%-42%), power (29%-27%) or energy (23%-18%).
As a mirror effect, the top fear concerning money is lack of security (46%-43%), not
being able to reimburse debts (21%-24%) and unemployment (17%). Only 12%
declare that they have no fears concerning money.
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17. WOMEN & MONEY,
BETWEEN CONTROL & COMPLEXITY
Money as security, a value received as a family heritage to be transmitted
to children
• “what did your family teach you?” 59% of respondents
spontaneously cite sound money management (savings
and security 26%, financial planning 19%, and refusal to
be indebted 12%).
• Some more liberal families transmitted notions of
independence and liberty (16%) or keeping one’s
distance from money 12% (enjoy life, money is just a
means and not an end)
• “advice that they wish to transmit to their own
children?” Sound management arrives in first place (86%
) with two new categories compared to their parents:
retirement and real estate.
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18. CONCLUSIONS
« The best way to fulfill your dreams is to
wake up »
Pa u l Va l é ry
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