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.
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
Crowdfunding is the collective effort of individuals who network and pool their resources, usually via the Internet, to support efforts initiated by other people or organizations.
How KIVA.org is doing it.
Presented by David Kitusa to the School of African Microfinance Class of 2015.
70% is the Percentage of people in Sub-Saharan Africa and South Asia who live on less than $2 a day… compared to only 14% in MENA.
Delivered by Michael Mithika, Course Director School of African Microfinance - SAM
http://www.samtraining.org
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
Crowdfunding is the collective effort of individuals who network and pool their resources, usually via the Internet, to support efforts initiated by other people or organizations.
How KIVA.org is doing it.
Presented by David Kitusa to the School of African Microfinance Class of 2015.
70% is the Percentage of people in Sub-Saharan Africa and South Asia who live on less than $2 a day… compared to only 14% in MENA.
Delivered by Michael Mithika, Course Director School of African Microfinance - SAM
http://www.samtraining.org
GBRW Consulting has been analysing the major Multilateral Development Banks - International Bank for Reconstruction & Development, or World Bank; International Finance Corporation; Inter-American Development Bank; African Development Bank; Asian Development Bank and European Bank for Reconstruction and Development- since the late 1990s.
This is the second of two presentations available on SlideShare. It illustrates some of the main characteristics of the financial statements of this very specialised group of institutions, which we refer to as MDBs.
A career in Financial Analysis provides participants with strong quantatative and analytical skills, product knowledge, global exposure, and multiple mobility options within financial services.
Mr. Napoleon Micu from the National Credit Council- Department of Finance speaks about the national policy framework of microfinance in the Philippines (Jan 29, PACAP Community Development Forum - Microfinance Amidst the Global Financial Crisis)
This is a presentation a grade 9 student created about the US Election 2008. She attends school in Germany and yet, is interested in American politics.
GBRW Consulting has been analysing the major Multilateral Development Banks - International Bank for Reconstruction & Development, or World Bank; International Finance Corporation; Inter-American Development Bank; African Development Bank; Asian Development Bank and European Bank for Reconstruction and Development- since the late 1990s.
This is the second of two presentations available on SlideShare. It illustrates some of the main characteristics of the financial statements of this very specialised group of institutions, which we refer to as MDBs.
A career in Financial Analysis provides participants with strong quantatative and analytical skills, product knowledge, global exposure, and multiple mobility options within financial services.
Mr. Napoleon Micu from the National Credit Council- Department of Finance speaks about the national policy framework of microfinance in the Philippines (Jan 29, PACAP Community Development Forum - Microfinance Amidst the Global Financial Crisis)
This is a presentation a grade 9 student created about the US Election 2008. She attends school in Germany and yet, is interested in American politics.
A summary of the online marketing collateral used throughout the Obama political campaign. Covers everything from John Biden to Obama's email communciations and supporting online properties.
To successfully assist your candidates in measuring voter opinion and developing effectual messages in order to successfully communicate with voters in the most impactful manner.
The Making of the President 2.0: How the Internet is Changing the Political GameMsifry
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Micah Sifry of techPresident describes seven ways the Internet is changing politics in America, as seen through the 2008 presidential election, and three ways that the process has yet to change.
Winning the Political Game…and Winning CustomersCJSettles
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My presentation for the SEATOA conference that presents tactics for building local political support for your broadband project, and influencing broadband-related legislation at the statehouse. Equally important, these same tactics enable you to develop and execute effective marketing campaigns that drives subscriptions to your network.
Eddy Yansen rediscover election techniques and strategies to use facebook & social media as campaign channels. This case study is about Obama's social media strategies on US Election 2008 & 2012.
The winning strategy of Barack Obama's political communication in 2008 | Camp...Gianni L'Abbate
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YES WE CAN. The winning strategy of Barack Obama’s political communication in 2008.
La strategia di comunicazione vincente di Barack Obama per USA 2008.
The is the extended case study of the Barack Obama campaign.
This presentation was done by Igor Beuker, to 150 marketers at the SRM Guru meeting 2009 in Amsterdam.
The session lasted 2 hours and the audience was excited and inspired by Obama’s great “brand interaction strategy”. Download the presentation for the slide notes with Igor's story.
All research was done by Paul van Veenendaal, who used over 250 different sources to create this huge slide deck.
If you are inspired by this story, you will probably also like our blog: http://www.ViralBlog.com
All credits go to Barack Obama and his campaign team. Barack Obama, marketer of the year!
Microfinance Market Global Industry Trends and Forecast (2023-2032)PriyanshiSingh187645
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Despite a projected decrease in size from USD 646.25 million in 2023 to USD 228.7 million by 2032, the microfinance market exhibits a positive growth trajectory with a CAGR of 10.41%.
Financial Inclusion: Landscape and ChallengesJohnnyRizq
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There are 2.5 billion unbanked adults around the world, mainly in developing economies. Financial inclusion is important because the lack of access to formal financial services limits the ability of poor communities to thrive economically, and also entails greater risks of fraud and theft. This presentation gives an overview of the status of financial inclusion, what it means, and how new technologies such as mobile money services could help give poor people in remote areas better access to reliable financial services.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
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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.
how can i use my minded pi coins I need some funds.DOT TECH
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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
What price will pi network be listed on exchangesDOT TECH
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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
how to sell pi coins in all Africa Countries.DOT TECH
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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
what is the future of Pi Network currency.DOT TECH
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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.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
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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
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
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Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
where can I find a legit pi merchant onlineDOT TECH
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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
when will pi network coin be available on crypto exchange.DOT TECH
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There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
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.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
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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.
Scope Of Macroeconomics introduction and basic theories
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Development opportunities and private sector lessons for Africa
1. Saul Wolf Remittances Manager Madison, WI, USA [email_address] www.woccu.org Development opportunities and private sector lessons for Africa 10/23/2009
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6. Development Matrix-Remittances Development Impact Implementation Time Needed Short Medium Long Low Lower Transaction Cost Medium Improve Access / Micro Credit High Micro Savings
7. Development Matrix-Remittances Private Firm Priorities Implementation Time Needed Short Medium Long Low Micro Credit Micro Savings Medium Lower Transaction Cost Improve Access High
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18. Saul Wolf Remittances Manager Madison, WI, USA [email_address] www.woccu.org Development opportunities and private sector lessons for Africa 10/23/09
Editor's Notes
Hello, my name is Saul Wolf and I am the manager of the World Council of Credit Union’s remittances program. Thank you for allowing me to speak today. Before I begin to address the questions presented in today’s session, I would like to give you some background into who we are, as I think that influences our perceptions on remittances and development.
First, I work forthe World Council of Credit Unions, or “WOCCU” as we call it. WOCCU is the global trade and development agency for credit unions worldwide. Credit unions go by many different names, Cooperativas Financieras, Cajas, or SACCO’s, for example. What ties them together is that all of them are: a) democratic b) member-owned) and c) financial entities. Worldwide, there are approximately 53000 credit unions in 96 countries. Some are so small they don’t even have buildings. Some are huge: Navy Federal Credit Union in the U.S. has more 3 million members and has $35 billion in assets. The credit union philosophy is to balance business sense with a social mission, which, while we don’t do it perfectly, is a good philosophy to have because it never leaves you feeling settled, it keeps you questioning. With respect to remittances, WOCCU’s for-profit subsidiary WOCCU Service Group actually runs the remittances program. Finally, I would just add that remittances is actually a pretty small part of WOCCU. Most of our staff is dedicated to trade association activities and development projects.
The following are WOCCU’s development priorities—this is how we define development for remittances. Micro Savings—Converting Remittance Flows into savings. Improved Access—Finding Rural locations to make it easier for people to pick up remittances, thereby reducing opportunity costs of travel Reduce Transaction Cost—Reduce the Cost of the Sender MicroCredit—Using Remittance flows as a form of income in order to qualify for loans.
There are other, worthy development goals but I believe savings is the foundation for many. The primary development problem with remittances today is consumption, the absence of savings.
Circling back to the question at hand. What important here is the word “development” because development means different things to different people. At the same time, remittances is a product with a well-defined market. People know how to make money off of it. So, its important to fund projects that actually help fix problems that wouldn’t otherwise be fixed by the free market.
I apologize in advance, my first recommendation is not at all short-term and is not directed towards the private sector. to incentivize or fund development organizations to tackle the more difficult consumption-related goals; allow the market to do the rest. I believe that, with time, Africa’s remittance pricing and access will come down, similar to what has happened in Latin America, without help from the development sector. It will happen because profit margins in Latin America have shrunk. Private sector firms are already looking at Africa.
Its also not clear they produce better results.
Here, I want to talk about the words in blue. “Leave” that implies a change in behavior; most remittance funds are consumed. “Trust” trust is earned over time when a customer is provided dependable service, implying financial discipline. “in a bank for 18 years, never opened an account” in 18 years, the private sector bank did not see a profit converting her to a saver, even though they could then lend that money back out. “Quick and easy” and “feel at home” again, this implies that the organization is well-run, has financial discipline, sees her as client (or member). They see her as a client or member because their business model depends on savers like her.
Remittance expertise is not the same as development expertise-- setting up business networks requires different skill sets than changing consumption patterns. Furthermore, changing consumption patterns requires a long-term commitment. If you fund the creation of mfi-paying remitters, your long-term payback is greater even if your short-term is a wash, or slightly worse. Assuming they are sustainable, MFI networks are more likely to focus on solving long-term development goals like reducing consumption.
The development sector can partner with the private sector to make it easier for private sector players to expand in Africa, by standardizing and clarifying AML requirements more at the regional level. Equally important: clarifying and standardizing telecommunication regulations and AML regulations to allow cell phones to receive international remittances on a regional level. Many of the largest telecoms in Africa have a regional prescense, like MTN and Zain. If you can make it easier for them to rapidly expand a business model that allows them to successfully provide an AML-compliant remittance product it multiple countries you will see lower costs and increased access.
So, I’m locked into the contract until 2009, unless I pay lost-earnings for early termination. Then, I must give notice to terminate 180 days before the end of the current term. So if the current term expired Jan 1, 2009 I have to give notice by June 1, 2008. If I waited until June 2, I couldn’t terminate until Jan 1, 2010. After terminating I had to wait an additional 180 days to sign with someone else.
By partnering with the private sector to improve regulations, the development community could lend credibility and provide needed attention.