I have tried to find out risk faced by poor people in Nepal. After that, I have tried to further explain on how is the situation of microinsurance in Nepal & how it can help poor to decrease their vulnerability.
Community Activities means activity in the community, undertaken by your trustees, directors, employees or volunteers. Activity of community is the Community work involved in local or neighborhood groups or associations, volunteer or unpaid worker involved in a non-profit, not-for-profit, just work for humanity. Activity of community is including the alert, response, emergency, and recovery for an individual, groups, society as well as community.
These organizations - known at the UN as "non-governmental organizations" or "NGOs" - are often the most effective voices for the concerns of ordinary people .
Community Activities means activity in the community, undertaken by your trustees, directors, employees or volunteers. Activity of community is the Community work involved in local or neighborhood groups or associations, volunteer or unpaid worker involved in a non-profit, not-for-profit, just work for humanity. Activity of community is including the alert, response, emergency, and recovery for an individual, groups, society as well as community.
These organizations - known at the UN as "non-governmental organizations" or "NGOs" - are often the most effective voices for the concerns of ordinary people .
The Impact of Microfinance on Saving Deposits-The Case of Mauritiuspaperpublications3
Abstract: The paper studies the impact of microfinance on the livelihood approach of poverty through the improvement in saving deposits of beneficiaries in a small island economy like Mauritius. Our survey covers a sample of 400 microfinance beneficiaries of different age groups and educational levels across the island.A probit regression model is used to examine the factors influencing saving deposits among the Mauritian beneficiaries of microfinance. Our results reveal that there is a strong correlation with increase in income and increase in savings. This positive impact has improved the lifestyle and living standard of the poor. We further observe that the different types of occupation, age, gender, marital status and secondary schooling of the respondents do not have a significant impact on saving deposits among the MFIs clients. Variables like family size, primary schooling, and loan amount have an impact on saving deposits. Hence, the overall analysis shows that microfinance activities have improved the living standard of the people in economic terms.
Keywords: Microfinance, Standard of Living, Saving Deposits, Probit Regression Analysis, Mauritius
The role of NGOs and civil society in development and poverty reductionPurbita Ditecha
Focusa2z Connects World [ http://focusa2z.com ] has collected one of the most essential research paper on the topic of charity donation titled "The role of NGOs and civil society in
development and poverty reduction"
2019 Financial Inclusion & Disability Resource Summit Presentation
-Gain more insight and learn about opportunities that are available for persons with disabilities
EPIP Webinar - Center for Disaster PhilanthropyEPIPNational
Join the Center for Disaster Philanthropy (CDP), Foundation Center, and Emerging Practitioners in Philanthropy for a webinar that explores why--based on current trends and future predictions--foundations will need to improve upon how they respond to disasters to better meet the needs of vulnerable populations globally. Over the course of our webinar, we'll draw on recent research that shows the extent of disaster grantmaking, gaps in the type and nature of funding, and how a better understanding of the "disaster lifecycle" can lead to more effective grantmaking. Vulnerable populations (children, mentally ill, older adults, economically disadvantaged, and others) domestically and internationally suffer the most in times of catastrophe and the private philanthropic community has a unique role in meeting their needs. As part of our hour-long session, we also will explore philanthropic responses to the Global Refugee Crisis and discuss recently released findings from the Measuring the State of Disaster Philanthropy 2015.
The Impact of Microfinance on Saving Deposits-The Case of Mauritiuspaperpublications3
Abstract: The paper studies the impact of microfinance on the livelihood approach of poverty through the improvement in saving deposits of beneficiaries in a small island economy like Mauritius. Our survey covers a sample of 400 microfinance beneficiaries of different age groups and educational levels across the island.A probit regression model is used to examine the factors influencing saving deposits among the Mauritian beneficiaries of microfinance. Our results reveal that there is a strong correlation with increase in income and increase in savings. This positive impact has improved the lifestyle and living standard of the poor. We further observe that the different types of occupation, age, gender, marital status and secondary schooling of the respondents do not have a significant impact on saving deposits among the MFIs clients. Variables like family size, primary schooling, and loan amount have an impact on saving deposits. Hence, the overall analysis shows that microfinance activities have improved the living standard of the people in economic terms.
Keywords: Microfinance, Standard of Living, Saving Deposits, Probit Regression Analysis, Mauritius
The role of NGOs and civil society in development and poverty reductionPurbita Ditecha
Focusa2z Connects World [ http://focusa2z.com ] has collected one of the most essential research paper on the topic of charity donation titled "The role of NGOs and civil society in
development and poverty reduction"
2019 Financial Inclusion & Disability Resource Summit Presentation
-Gain more insight and learn about opportunities that are available for persons with disabilities
EPIP Webinar - Center for Disaster PhilanthropyEPIPNational
Join the Center for Disaster Philanthropy (CDP), Foundation Center, and Emerging Practitioners in Philanthropy for a webinar that explores why--based on current trends and future predictions--foundations will need to improve upon how they respond to disasters to better meet the needs of vulnerable populations globally. Over the course of our webinar, we'll draw on recent research that shows the extent of disaster grantmaking, gaps in the type and nature of funding, and how a better understanding of the "disaster lifecycle" can lead to more effective grantmaking. Vulnerable populations (children, mentally ill, older adults, economically disadvantaged, and others) domestically and internationally suffer the most in times of catastrophe and the private philanthropic community has a unique role in meeting their needs. As part of our hour-long session, we also will explore philanthropic responses to the Global Refugee Crisis and discuss recently released findings from the Measuring the State of Disaster Philanthropy 2015.
Agency problem in Unilever Nepal LimitedBiraj Ghimire
In 2012, there occurred conflict between workers and management. Unilever factory was locked out for around 11 days resulting severe economic consequences.
A birds eye view of the origin and growth of Self Help groupsRekha Babu
The concept of selfhelp groups started in Bengladesh. This concept of Neighbourhood groups of marginalised sections of the society, especially women started in India in 1984. This movement have found huge success in the state of Kerala, through the Kudumbashree mission .
Presentation made by Annette Houtekamer (Business Development Manager, ACHMEA, Netherlands) at the 6th ICMIF Development Network Seminar (1-2 November 2012; Nairobi, Kenya)
Presentation made by M. Balasubramanian (Programme Leader, DHAN Foundation, India) at the 6th ICMIF Development Network Seminar (1-2 November 2012; Nairobi, Kenya)
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
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
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Webinar Exploring DORA for Fintechs - Simont Braun
Risk faced by poor people in nepal & relevance of microinsurance
1. Risk Faced by Poor People in Nepal &
Relevance of Microinsurance to
Minimize Effect of Risk
- Omkar Pandey
Risk & Opportunity: Managing Risk for
Development
2. Outline
• Demographic information of Nepal
• Major Types of Risk Faced by Poor in Nepal
• Tools used by poor to face tackle
• What’s state doing?
• Microinsurance: Tool to confront risk by poor
• Obstacles of Microinsurance
• Role of Government
• Role of Insurance Company/MFI
• Conclusion
3. Demographic Information of Nepal
• Located in South Asia
• Area : 147,181 Sq. Km
• Population : 27.80 Million
• Population below poverty lines: 25.16%
• Major Cities : Kathmandu (Capital), Pokhara,
Birgunj, Biratnagar
5. Major Risk Faced by Poor in Nepal
• Death of family members
• Health
• Death of livestock
• Natural Disasters (Flood,
Landslide, Earthquake)
• Drought
• Infertility
6. Tools used to tackle risk
• Credit from local landlords
• Use savings
• Use loan from local
MFIs/Cooperatives/Self-
Help Group
• Help from community
7. What state’s doing?
• State provides old-age fund to
people above 60 but which is
far less to cover their regular
expenses
• Since most of the labor forces
work in informal sectors, they
are not entitled to get pension
& other benefits
• Benefit provided by state
doesn’t cover poor which
demands some mechanism to
manage risk of poor
Old People agitating for
reliable social security
Photo: ekantipur.com
8. Microinsurance: A tool to confront risk
for poor
• Craig Churchil defines Microinsurance as “the
protection of low income people against specific perils
in exchange for regular monetary payments
proportionate to the likelihood and cost of risk
involved.”*
• Microinsurance can help poor to cope with risks they
face in regular basis
• In Nepal, different MFIs provide informal in-house
insurance to their clients.
• Microinsurance is yet to be formalized as Insurance
Regulator are yet to bring solid policy to facilitate
* Churchil, Craig : Protecting the poor, A Microinsurance Compendium
9. Obstacles of Microinsurance
• Inadequate understanding about insurance
• Lack of sound legal framework
• Lack of liquidity with poor people
• Lack of service provider
• Lack of trust
Source: Interview with poor, literature
10. Role of Government/Regulator
• Provide sound financial
infrastructure with special focus
on regulatory framework
• Promote financial education
(with emphasis on
microinsurance)
• Continue existing support to
poor farmers (75% premium is
subsidized in crop insurance)*
*Source: Budget Speech of FY 2014/15 by Finance Minster
11. Role of Insurance Company/MFI
• Design tailor made product
to poor
• Establish efficient
distribution channel
• Promote Insurance
education
• Reduce administrative
hassles to receive
service/benefit
12. Conclusion
• In addition to teach for preparation of risk and
knowledge of risk, poor should be provided
access to insurance
• Access to microinsurance increase resilience
to poor
• Govt. should facilitate in preparing sound
financial infrastructure