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
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
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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
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
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.
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.
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Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
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"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
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2. Mercury is the
closest to the Sun
Mercury
1
Venus has a good
name, but it’s hot
Venus
2
Despite being red,
Mars is cold
Mars
3
It’s the biggest planet
in the Solar System
Jupiter
4
Saturn is the ringed
one and a gas giant
Saturn
5
Thermometer Infographics
3. Thermometer Infographics
Mercury is the
closest to the Sun
Mercury
Venus has a good
name, but it’s hot
Venus
Despite being red,
Mars is cold
Mars
It’s the biggest one in
the Solar System
Jupiter
Saturn is the ringed
one and a gas giant
Saturn
4. Thermometer Infographics
Saturn is a gas giant,
composed mostly of
hydrogen and helium
Saturn
Mercury
Mercury is the closest
planet and the smallest
one in the Solar System
Neptune is the farthest
planet from the Sun. It’s
the fourth-largest
Neptune
Jupiter
Jupiter is a gas giant
and the biggest planet in
the entire Solar System
Despite being red, Mars
is cold. The planet is full
of iron oxide dust
Mars
Venus
Venus has a beautiful
name and is the second
planet from the Sun
5. Thermometer Infographics
Saturn is composed
mostly of hydrogen
and helium
Saturn
Mercury
Mercury is the
closest planet and
the smallest one
Neptune is the
farthest planet. It’s
the fourth-largest
Neptune
Jupiter
Jupiter is the
biggest planet in the
entire Solar System
Despite being red,
Mars is cold. It’s full
of iron oxide dust
Mars
Venus
Venus has a
beautiful name and
is the second planet
6. Saturn is the ringed
one. It’s composed
mostly of hydrogen
and helium
Venus has a good
name and is the
second from the
Sun. It’s terribly hot
Despite being red,
Mars is a cold
place. It’s full of
iron oxide dust
Mercury is the
closest planet and
the smallest one in
the Solar System
Neptune is the
farthest planet
from the Sun. It’s
the fourth-largest
Thermometer Infographics
7. Thermometer Infographics
Despite being red,
Mars is cold.
The planet is full
of iron oxide dust
Mars
Mercury
Mercury is the
closest planet and
the smallest one in
the Solar System
Saturn
Saturn is the ringed
one. It’s composed
mostly of hydrogen
and helium
Venus
Venus has a
beautiful name and
is the second planet
from the Sun
8. Thermometer Infographics
Mercury is the closest
planet to the Sun and
the smallest one in
the Solar System
Mercury
Despite being red,
Mars is a cold place.
The planet is full of
iron oxide dust
Mars
Venus has a beautiful
name and is the
second planet from
the Sun. It’s hot
Venus
Neptune is the
farthest in the Solar
System. It’s the
fourth-largest
Neptune
9. Despite being red, Mars is a cold place.
The planet is full of iron oxide dust
Mars
Neptune is the farthest in the Solar System.
It’s the fourth-largest planet by diameter
Neptune
Mercury is the closest planet to the Sun
and the smallest one in the Solar System
Mercury
Thermometer Infographics
25% 45% 60% 90%
Venus has a beautiful name and is the
second planet from the Sun. It’s terribly hot
Venus
1
2
3
4
10. Thermometer Infographics
Neptune is the farthest
in the Solar System.
It’s the fourth-largest
planet by diameter
Neptune
Despite being red,
Mars is a cold place.
The planet is full of
iron oxide dust
Mars
Mercury is the closest
planet to the Sun and
the smallest one in
the Solar System
Mercury
11. Thermometer Infographics
The Moon is a satellite
Moon
Venus has a beautiful name
Venus
Earth is the only planet with life
Earth
Saturn has several rings
Saturn
Mercury is the smallest planet
Mercury
1
2
3
4
5
12. Despite being red, Mars is a cold place.
The planet is full of iron oxide dust
FIRST
PLANET
40 °C
Saturn is the ringed one. It’s a gas giant,
composed of hydrogen and helium
THIRD
PLANET
36 °C
Mercury is the closest planet to the Sun
and the smallest one in the Solar System
SECOND
PLANET
38 °C
Neptune is the farthest planet from the
Sun. It’s the fourth-largest by diameter
FOURTH
PLANET
34 °C
Thermometer Infographics
13. A 75%
Despite being red, Mars is a cold place.
The planet is full of iron oxide dust
C 25%
Mercury is the closest planet to the Sun
and the smallest one in the Solar System
B 50%
Saturn is the ringed one. It’s a gas giant,
composed mostly of hydrogen and helium
Thermometer Infographics
14. Thermometer Infographics
2021
2020
2019
2018
2017
20% Saturn is the ringed one. It’s composed mostly of hydrogen and helium
Saturn
40% Jupiter is a gas giant and the biggest planet in the entire Solar System
Jupiter
60% Neptune is the farthest planet. It’s the fourth-largest by diameter
Neptune
80% Despite being red, Mars is a cold place. It’s full of iron oxide dust
Mars
100% Mercury is the closest planet and the smallest one in the Solar System
Mercury
15. Thermometer Infographics
Despite being red, Mars is a cold place,
the planet is full of iron oxide dust
Mars
Neptune is the farthest planet from the
Sun. It’s the fourth-largest by diameter
Neptune
Mercury Mercury is the closest planet to the Sun
and the smallest one in the Solar System
Saturn is the ringed one. It’s a gas giant,
composed mostly of hydrogen and helium
Saturn
16. Venus has a beautiful name and is the
second planet from the Sun. It’s terribly hot
Thermometer Infographics
Despite being red, Mars is a cold place.
The planet is full of iron oxide dust
Mercury is the closest planet to the Sun
and the smallest one in the Solar System
Neptune is the farthest planet in the Solar
System. It’s the fourth-largest by diameter
Mars
1
Mercury
2
Venus
3
Neptune
4
17. Thermometer Infographics
Mercury
Mercury is the closest planet to the Sun and
the smallest one in the Solar System
Saturn is the ringed one. It’s a gas giant,
composed mostly of hydrogen and helium Saturn
Neptune is the farthest planet from the Sun.
It’s the fourth-largest by diameter Neptune
Despite being red, Mars is a cold place. The
planet is full of iron oxide dust Mars
Venus has a beautiful name and is the
second planet from the Sun. It’s terribly hot Venus
18. Thermometer Infographics
Mercury is the closest
planet and the smallest one
in the Solar System
Mercury
Neptune is the farthest
planet from the Sun. It’s the
fourth-largest by diameter
Neptune
Jupiter is a gas giant and
the biggest planet in the
entire Solar System
Jupiter
Despite being red, Mars is a
cold place. The planet is full
of iron oxide dust
Mars
Saturn is the ringed one. It’s
a gas giant, composed of
hydrogen and helium
Saturn
Venus has a beautiful name
and is the second planet
from the Sun. It’s terribly hot
Venus
19. Thermometer Infographics
Mercury is the closest
planet and the smallest
one in the Solar System
Mercury
Neptune is the farthest
planet from the Sun. It’s
the fourth-largest
Neptune
Jupiter is a gas giant and
the biggest planet in the
entire Solar System
Jupiter
Despite being red, Mars is
a cold place. The planet is
full of iron oxide dust
Mars
Saturn is the ringed one.
It’s composed mostly of
hydrogen and helium
Saturn
Venus has a good name
and is the second planet. It
has a hot atmosphere
Venus
20. Thermometer Infographics
Mercury is the closest planet to
the Sun and the smallest one in
the Solar System
Mercury
Neptune is the farthest planet in
our Solar System. It’s the fourth-
largest by diameter
Neptune
Despite being red, Mars is a
cold place. The planet is full of
iron oxide dust
Mars
Saturn is the ringed one. It’s a
gas giant, composed mostly of
hydrogen and helium
Saturn
21. Thermometer Infographics
1
2
3
4
5
Mercury is the closest
planet and the smallest
one in the Solar System
Neptune is the farthest
planet from the Sun. It’s
the fourth-largest
Despite being red,
Mars is cold. The planet
is full of iron oxide dust
Saturn is the ringed one.
It’s composed mostly of
hydrogen and helium
Venus has a beautiful
name and is the second
planet from the Sun
22. Thermometer Infographics
It’s the closest
planet to the Sun
and the smallest
Neptune is the
farthest planet and
the fourth-largest
It’s a gas giant
and the biggest in
the Solar System
Mars is a cold place.
The planet is full of
iron oxide dust
It’s composed
mostly of hydrogen
and helium
Venus has a good
name and is the
second planet
MERCURY MARS
NEPTUNE SATURN
JUPITER VENUS
23. Mercury
1 2 3 4
Thermometer Infographics
It’s the closest planet
to the Sun and the
smallest one
It’s a gas giant planet,
composed mostly of
hydrogen and helium
Venus has a good
name and is the
second planet
It’s a gas giant planet
and the biggest in
the Solar System
Venus
Jupiter
Saturn
24. Thermometer Infographics
Mercury is the closest
planet to the Sun
Mercury
1
Venus has a beautiful
name, but it’s hot
Venus
2
It’s the biggest planet
in the Solar System
Jupiter
3
Saturn is the ringed
one and a gas giant
Saturn
4
25. Thermometer Infographics
Saturn is the ringed
one and a gas giant
Jupiter is the biggest
planet of them all
Neptune is the
farthest from the Sun
Venus is the hot and
volcanic planet
Mercury is the closest
planet to the Sun
Despite being red,
Mars is a cold place
1 4
2 5
3 6
26. Thermometer Infographics
Mercury is the closest planet
to the Sun and the smallest
one in the Solar System
Mercury
Neptune is the farthest planet
from the Sun. It’s the fourth-
largest by diameter
Neptune
Despite being red, Mars is a
cold place. The planet is full
of iron oxide dust
Mars
Saturn is the ringed one. It’s a
gas giant, composed mostly
of hydrogen and helium
Saturn
25% 20%
30% 20%
27. Thermometer Infographics
Neptune is the farthest
from the Sun. It’s the
fourth-largest planet by
diameter
Neptune
Despite being red,
Mars is a cold place.
The planet is full of
iron oxide dust
Mars
Mercury is the closest
planet to the Sun and
the smallest one in
the Solar System
Mercury
Venus has a beautiful
name and is the
second planet from the
Sun. It’s terribly hot
Venus
28. Thermometer Infographics
It’s the closest
planet to the Sun
and the smallest
Neptune is the
farthest planet and
the fourth-largest
It’s a gas giant
and the biggest in
the Solar System
Mars is a cold
place. The planet is
full of iron oxide
It’s composed
mostly of hydrogen
and helium
Venus has a good
name and is the
second planet
29. Thermometer Infographics
Neptune is the farthest
Mars is full of iron oxide
Jupiter is the biggest planet
Saturn is the ringed one
Venus has a good name
Mars
Jupiter
Neptune
Saturn
Venus
30. Thermometer Infographics
It’s the closest
planet to the Sun
and the smallest
Neptune is the
farthest planet and
the fourth-largest
It’s a gas giant
and the biggest in
the Solar System
Mars is a cold
place. It’s full of
iron oxide dust
It’s composed
mostly of hydrogen
and helium
Venus has a good
name and is the
second planet
Mercury Mars
Neptune Saturn
Jupiter Venus
31. Thermometer Infographics
Despite being red,
Mars is a cold place
Mars
Mercury is the second
planet from the Sun
Mercury
Saturn has several rings
and is a gas giant
Saturn
Neptune is the farthest
planet from the Sun
Neptune
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● Distribute this Slidesgo Template (or a modified version of this Slidesgo Template) or include it in a database or in
any other product or service that offers downloadable images, icons or presentations that may be subject to
distribution or resale.
● Use any of the elements that are part of this Slidesgo Template in an isolated and separated way from this
Template.
● Register any of the elements that are part of this template as a trademark or logo, or register it as a work in an
intellectual property registry or similar.
For more information about editing slides, please read our FAQs or visit Slidesgo School:
https://slidesgo.com/faqs and https://slidesgo.com/slidesgo-school
34. Infographics
You can add and edit some infographics to your presentation to show your data in a visual way.
● Choose your favourite infographic and insert it in your presentation using Ctrl C
+ Ctrl V or Cmd C + Cmd V in Mac.
● Select one of the parts and ungroup it by right-clicking and choosing
“Ungroup”.
● Change the color by clicking on the paint bucket.
● Then resize the element by clicking and dragging one of the square-shaped
points of its bounding box (the cursor should look like a double-headed arrow).
Remember to hold Shift while dragging to keep the proportions.
● Group the elements again by selecting them, right-clicking and choosing
“Group”.
● Repeat the steps above with the other parts and when you’re done editing, copy
the end result and paste it into your presentation.
● Remember to choose the “Keep source formatting” option so that it keeps the
design. For more info, please visit Slidesgo School.