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1. Introduction
Gender equality is crucial for economic development, yet women still contribute only 37% of the global GDP, a persistent issue requiring ongoing efforts.
Africa's female entrepreneurs face a $42 billion financing gap, hindering their economic contribution due to limited resources, legal frameworks, and socio-cultural environments.
The Commercial Bank of Ethiopia is introducing a customer-centric business model, proposing a collateral-free loan product for women-owned small businesses, to address the financing gap and promote financial inclusion in Ethiopia's 49.8% female population.
2. Objectives of the proposal
2.1. General Objectives
The general objective of this proposal is to ensure sustainably growing profit and equitable resource allocation by offering collateral-free loans to support selected growth-oriented women-owned enterprises.
2.2. Specific Objectives
• To play a proactive role in supporting and promoting women-owned enterprises by availing of useful and affordable loan products;
• To pilot collateral-free financing and improve the credit risk appetite of the bank;
• To realize enhanced customer experience through adapting and scaling up the collateral-free financing scheme;
• To realize the bank’s digital financing initiatives;
• To mobilize resources through aligning with different development partners who are working on promoting women's economic empowerment and access to finance;
• To diversify the product portfolio of the bank;
• To implement the provisions regarding micro- and small-enterprises lending aspects of the credit policy and procedures of the bank;
• To support the realization of the financial inclusion strategy of the country;
• To optimize the profitability of the bank by entering untapped and new market niches;
• To optimize the competition capability of the bank;
• To ensure customer satisfaction and retention by availing of tailor-made products with simple and accessible outreach options.
3. Target groups
4. Work flow
For this pilot, women entrepreneurs owning and operating an active business will be selected through a coalition with government organs and/or other parties that work with the entrepreneurs, train them, and involve them in skill development. When a selected applicant submits the loan request along with all the required documents to the bank, the credit department of the district (for this program, the central region district) will appraise and review the credit request either manually for conventional borrowers or using a credit scoring solution for digital borrowers. Based on the credit appraisal result and credit scoring solution determination, the applicant can get the approved amount of an unsecured micro loan. Indeed, the work flow can be described as follows:
• The selected women-owned microbusinesses lodged their requests at a branch or using their phones digitally.
• Legal documents like a TIN, trade registration and license, financial statements, sales contract
In the Adani-Hindenburg case, what is SEBI investigating.pptxAdani case
Adani SEBI investigation revealed that the latter had sought information from five foreign jurisdictions concerning the holdings of the firm’s foreign portfolio investors (FPIs) in relation to the alleged violations of the MPS Regulations. Nevertheless, the economic interest of the twelve FPIs based in tax haven jurisdictions still needs to be determined. The Adani Group firms classed these FPIs as public shareholders. According to Hindenburg, FPIs were used to get around regulatory standards.
Your score increases as you pick a category, fill ouYour score increases as you pick a category, fill out a long description and add more tags.t a long description and add more tags.Your score iYour score increases as you pick a category, fill out a long description and add more tags.ncreases as you pick a category, fill out a long description and add more tags.
1. Introduction
Gender equality is crucial for economic development, yet women still contribute only 37% of the global GDP, a persistent issue requiring ongoing efforts.
Africa's female entrepreneurs face a $42 billion financing gap, hindering their economic contribution due to limited resources, legal frameworks, and socio-cultural environments.
The Commercial Bank of Ethiopia is introducing a customer-centric business model, proposing a collateral-free loan product for women-owned small businesses, to address the financing gap and promote financial inclusion in Ethiopia's 49.8% female population.
2. Objectives of the proposal
2.1. General Objectives
The general objective of this proposal is to ensure sustainably growing profit and equitable resource allocation by offering collateral-free loans to support selected growth-oriented women-owned enterprises.
2.2. Specific Objectives
• To play a proactive role in supporting and promoting women-owned enterprises by availing of useful and affordable loan products;
• To pilot collateral-free financing and improve the credit risk appetite of the bank;
• To realize enhanced customer experience through adapting and scaling up the collateral-free financing scheme;
• To realize the bank’s digital financing initiatives;
• To mobilize resources through aligning with different development partners who are working on promoting women's economic empowerment and access to finance;
• To diversify the product portfolio of the bank;
• To implement the provisions regarding micro- and small-enterprises lending aspects of the credit policy and procedures of the bank;
• To support the realization of the financial inclusion strategy of the country;
• To optimize the profitability of the bank by entering untapped and new market niches;
• To optimize the competition capability of the bank;
• To ensure customer satisfaction and retention by availing of tailor-made products with simple and accessible outreach options.
3. Target groups
4. Work flow
For this pilot, women entrepreneurs owning and operating an active business will be selected through a coalition with government organs and/or other parties that work with the entrepreneurs, train them, and involve them in skill development. When a selected applicant submits the loan request along with all the required documents to the bank, the credit department of the district (for this program, the central region district) will appraise and review the credit request either manually for conventional borrowers or using a credit scoring solution for digital borrowers. Based on the credit appraisal result and credit scoring solution determination, the applicant can get the approved amount of an unsecured micro loan. Indeed, the work flow can be described as follows:
• The selected women-owned microbusinesses lodged their requests at a branch or using their phones digitally.
• Legal documents like a TIN, trade registration and license, financial statements, sales contract
In the Adani-Hindenburg case, what is SEBI investigating.pptxAdani case
Adani SEBI investigation revealed that the latter had sought information from five foreign jurisdictions concerning the holdings of the firm’s foreign portfolio investors (FPIs) in relation to the alleged violations of the MPS Regulations. Nevertheless, the economic interest of the twelve FPIs based in tax haven jurisdictions still needs to be determined. The Adani Group firms classed these FPIs as public shareholders. According to Hindenburg, FPIs were used to get around regulatory standards.
Understanding User Needs and Satisfying ThemAggregage
https://www.productmanagementtoday.com/frs/26903918/understanding-user-needs-and-satisfying-them
We know we want to create products which our customers find to be valuable. Whether we label it as customer-centric or product-led depends on how long we've been doing product management. There are three challenges we face when doing this. The obvious challenge is figuring out what our users need; the non-obvious challenges are in creating a shared understanding of those needs and in sensing if what we're doing is meeting those needs.
In this webinar, we won't focus on the research methods for discovering user-needs. We will focus on synthesis of the needs we discover, communication and alignment tools, and how we operationalize addressing those needs.
Industry expert Scott Sehlhorst will:
• Introduce a taxonomy for user goals with real world examples
• Present the Onion Diagram, a tool for contextualizing task-level goals
• Illustrate how customer journey maps capture activity-level and task-level goals
• Demonstrate the best approach to selection and prioritization of user-goals to address
• Highlight the crucial benchmarks, observable changes, in ensuring fulfillment of customer needs
Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
FIA officials brutally tortured innocent and snatched 200 Bitcoins of worth 4...jamalseoexpert1978
Farman Ayaz Khattak and Ehtesham Matloob are government officials in CTW Counter terrorism wing Islamabad, in Federal Investigation Agency FIA Headquarters. CTW and FIA kidnapped crypto currency owner from Islamabad and snatched 200 Bitcoins those worth of 4 billion rupees in Pakistan currency. There is not Cryptocurrency Regulations in Pakistan & CTW is official dacoit and stealing digital assets from the innocent crypto holders and making fake cases of terrorism to keep them silent.
B2B payments are rapidly changing. Find out the 5 key questions you need to be asking yourself to be sure you are mastering B2B payments today. Learn more at www.BlueSnap.com.
The 10 Most Influential Leaders Guiding Corporate Evolution, 2024.pdfthesiliconleaders
In the recent edition, The 10 Most Influential Leaders Guiding Corporate Evolution, 2024, The Silicon Leaders magazine gladly features Dejan Štancer, President of the Global Chamber of Business Leaders (GCBL), along with other leaders.
2. T
Threats
Despite being red, Mars
is actually a cold place
full of iron oxide dust
W
Weaknesses
Jupiter is a gas giant and
the biggest planet in the
Solar System
O
Opportunities
Venus has a beautiful
name and is the second
planet from the Sun
S
Mercury is the closest
planet to the Sun and the
smallest one
Strengths
SWOT Analysis Infographics
3. SWOT Analysis Infographics
SWO
T
Weaknesses
Jupiter is a gas giant and
the biggest planet in the
Solar System
Opportunities
Venus has a beautiful
name and is the second
planet from the Sun
Mercury is the closest
planet to the Sun and the
smallest one
Strengths
Threats
Despite being red, Mars
is actually a cold place
full of iron oxide dust
4. 0
1
0
2
0
4
0
3
SWOT Analysis Infographics
SWOT
Weaknesses
Jupiter is a gas giant and
the biggest planet in the
Solar System
Threats
Venus has a beautiful
name and is the second
planet from the Sun
Mercury is the closest
planet to the Sun and the
smallest one
Strengths
Opportunities
Despite being red, Mars
is actually a cold place
full of iron oxide dust
5. SWOT Analysis Infographics
Mercury is
the smallest
planet
S
Mercury
Mercury is the
smallest one
Mars is a
very cold
place
W
Mars
Mars is full of iron
oxide dust
Neptune is
the farthest
planet
O
Neptune
Neptune is the
fourth-largest
Venus has a
beautiful
name
T
Venus
It has a poisonous
atmosphere
6. SWOT Analysis Infographics
Weaknesses
Jupiter is a gas giant and
the biggest planet in the
Solar System
W
Threats
Despite being red, Mars
is actually a cold place
full of iron oxide dust
T
Mercury is the closest
planet to the Sun and the
smallest one
Strengths
S
Opportunities
Venus has a beautiful
name and is the second
planet from the Sun
O
SWO
T
7. Strengths
Mercury is the
closest planet to
the Sun
Despite being
red, Mars is a
cold place
Threats
Jupiter is a gas
giant and the
biggest one
Weaknesses
Venus is the
second planet
from the Sun
Opportunities
SWOT Analysis Infographics
8. SWOT Analysis Infographics
Moon
Weaknesses
Jupiter is a gas giant and
the biggest planet in the
Solar System
Mars
Opportunities
Venus has a beautiful
name and is the second
planet from the Sun
Mercury
Mercury is the closest
planet to the Sun and the
smallest one
Strengths
Jupiter
Threats
Despite being red, Mars
is actually a cold place
full of iron oxide dust
9. Weaknesses
Jupiter is a gas giant and
the biggest planet in the
Solar System
Opportunities
Venus has a beautiful
name and is the second
planet from the Sun
Mercury is the closest
planet to the Sun and the
smallest one
Strengths
Threats
Despite being red, Mars
is actually a cold place
full of iron oxide dust
SWOT Analysis Infographics
10. Despite being red,
Mars is actually a
cold place
Threats
Venus is the
second planet from
the Sun
Opportunities
Jupiter is the
biggest planet of
them all
Weaknesses
SWOT Analysis Infographics
Mercury is the
closest planet to
the Sun
Strengths
11. Mercury is the closest
planet to the Sun and
the smallest one
Jupiter is a gas giant
and the biggest planet
in the Solar System
Despite being red,
Mars is a cold place
full of iron oxide dust
Venus has a beautiful
name, but also a
poisonous atmosphere
SWOT Analysis Infographics
12. SWOT Analysis Infographics
Mercury is the smallest planet
in the Solar System
S
Mercury
Jupiter is a gas giant and the
biggest planet of them all
W
Jupiter
Saturn is composed of
hydrogen and helium
O
Saturn
Despite being red, Mars is
actually a cold place
T
Mars
13. SWOT Analysis Infographics
Saturn is a gas
giant and has
several rings
O
Jupiter is a gas
giant and the
biggest planet
W
Mercury is the
closest planet to
the Sun
S
Neptune is the
farthest planet
from the Sun
T
14. SWOT Analysis Infographics
S
Mars
Despite being red, Mars
is a cold place full of iron
oxide dust
Saturn
Saturn is composed
mostly of hydrogen and
helium
O
Jupiter
Jupiter is a gas giant and
the biggest planet in the
Solar System
W
Neptune
Neptune is the farthest
planet from the Sun and
the fourth-largest
T
15. SWOT Analysis Infographics
STRENGTHS
Mars
Despite being red, Mars is a cold place
Jupiter
Jupiter is a gas giant and the biggest planet
WEAKNESS
ES
Neptune
Neptune is the farthest planet from the Sun
OPPORTUNI
TIES
Saturn
Saturn is composed of hydrogen and helium
THREATS
16. SWOT Analysis Infographics
Jupiter is a gas
giant and the
biggest planet
Jupiter
S
Saturn is a gas
giant and has
several rings
Saturn
W Neptune is the
farthest planet
from the Sun
Neptune
O
Despite being
red, Mars is a
cold place
Mars
T
17. SWOT Analysis Infographics
WEAKNESSES
Jupiter is a gas giant and the biggest planet W
THREATS
Saturn is composed of hydrogen and helium T
OPPORTUNITIES
Neptune is the farthest planet from the Sun O
STRENGTHS
Despite being red, Mars is a cold place S
18. SWOT Analysis Infographics
THREATS
Jupiter is a gas giant
and the biggest planet
in the Solar System
WEAKNESSES
Venus has a beautiful
name, but also very
high temperatures
Mercury is the closest
planet to the Sun and
the smallest one
STRENGTHS
OPPORTUNITI
ES
Despite being red,
Mars is a cold place
full of iron oxide dust
19. SWOT Analysis Infographics
Mercury is the closest
planet to the Sun and also
the smallest one
THREATS
Jupiter is a gas giant and
the biggest planet in the
Solar System
STRENGTHS
Saturn, the ringed planet, is
composed mostly of
hydrogen and helium
OPPORTUNITIES
Neptune is the farthest
planet from the Sun and the
fourth-largest
WEAKNESSES
20. SWOT Analysis Infographics
S
Mercury is the
closest planet to the
Sun and the smallest
in the Solar System
Mercury
W
Neptune
Neptune is the
farthest planet from
the Sun and the
fourth-largest
O
Mars
Despite being red,
Mars is actually a
cold place full of iron
oxide dust
T
Jupiter
Jupiter is a gas giant
and also the biggest
planet in the Solar
System
21. SWOT Analysis Infographics
S
Mercury is the
closest planet to
the Sun
Strengths
Jupiter is a gas
giant and the
biggest planet
Weaknesses
W
Venus is the
second planet from
the Sun
Opportunities
O
Despite being red,
Mars is actually a
cold place
Threats
T
22. SWOT Analysis Infographics
Weaknesses
Mercury is the closest
planet to the Sun and the
smallest one
Strengths
Jupiter is a gas giant and
also the biggest planet in
the Solar System
Opportunities
Venus has a beautiful name
and is the second planet
from the Sun
Threats
Despite being red, Mars is
actually a cold place full of
iron oxide dust
23. SWOT Analysis Infographics
Threats
Despite being red, Mars
is actually a cold place
full of iron oxide dust
Weaknesses
Jupiter is a gas giant and
the biggest planet in the
Solar System
Mercury is the closest
planet to the Sun and the
smallest one
Strengths
Opportunities
Venus has a beautiful
name and is the second
planet from the Sun
24. SWOT Analysis Infographics
Mercury
Mercury is the
closest planet to
the Sun
S
Jupiter
Jupiter is a gas
giant and the
biggest one
W
Venus
Venus is the
second planet
from the Sun
O
Neptune
Neptune is the
farthest planet
from the Sun
T
25. SWOT Analysis Infographics
T
Threats
Despite being red, Mars
is actually a cold place
full of iron oxide dust
S
Mercury is the closest
planet to the Sun and the
smallest one
Strengths
O
Opportunities
Venus has a beautiful
name and is the second
planet from the Sun
W Weaknesses
Jupiter is a gas giant and
the biggest planet in the
Solar System
26. S
Strengths
Jupiter is a gas giant and
the biggest planet in the
Solar System
SWOT Analysis Infographics
W
Weaknesses
Despite being red, Mars
is actually a cold place
full of iron oxide dust
O
Opportunities
Venus has a beautiful
name and is the second
planet from the Sun
T
Mercury is the closest
planet to the Sun and the
smallest one
Threats
27. SWOT Analysis Infographics
Jupiter
Jupiter is a gas giant and
the biggest planet in the
Solar System
Saturn
Saturn is composed
mostly of hydrogen and
also helium
Venus
Venus has a beautiful
name and is the second
planet from the Sun
Mars
Despite being red, Mars
is a cold place full of iron
oxide dust
28. SWOT Analysis Infographics
Threats
Despite being red, Mars
is actually a cold place
full of iron oxide dust
Weaknesses
Jupiter is a gas giant and
the biggest planet in the
Solar System
Mercury is the closest
planet to the Sun and the
smallest one
Strengths
Opportunities
Venus has a beautiful
name and is the second
planet from the Sun
29. SWOT Analysis Infographics
S
Mars
Despite being red, Mars is a cold place
O
Jupiter
Jupiter is a gas giant and the biggest planet
W
Neptune
Neptune is the farthest planet from the Sun
T
Saturn
Saturn is composed of hydrogen and helium
30. SWOT Analysis Infographics
Mercury is the
closest planet to
the Sun
Strengths
Jupiter is a gas
giant and the
biggest planet
Weaknesses
Venus is the
second planet from
the Sun
Opportunities
Despite being red,
Mars is actually a
cold place
Threats
31. SWOT Analysis Infographics
OPPORTUNITIE
S
Jupiter
Jupiter is a gas giant
and the biggest planet
of them all
THREATS
Saturn
Saturn is composed
mostly of hydrogen
and helium
STRENGTHS
Venus
Venus has a beautiful
name, but also very
high temperatures
WEAKNESSES
Mars
Despite being red,
Mars is a cold place
full of iron oxide dust
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