UN-HABITAT SIRP Three models of small housing loans
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The UN-HABITAT SIRP program in Serbia provides three models of small housing loans to support vulnerable groups: (1) Loans up to $161 for construction materials, (2) Loans up to $4,000 to complete unfinished homes for rental, and (3) Grants up to $2,000 for bathrooms/toilets for poor Roma families. Eligible beneficiaries are refugees, IDPs, low-income locals. The program aims to improve housing conditions through capacity building of local authorities and communities to organize microcredit schemes.
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Cohousing for all...really! Getting beyond being the exception
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Microfinance for Roma in Macedonia
Horizonti is a microfinance institution in Macedonia that provides financial services to micro and small enterprises. It has a focus on reaching disadvantaged populations including the Roma community. Some key details:
- Horizonti has 9 branches and serves over 2,000 Roma clients, making up 37% of their total clients.
- They have disbursed over 9,000 loans totaling nearly 5 million Euros, with an average loan size of 540 Euros.
- Horizonti is partnering with Habitat for Humanity on a new project to provide housing improvement loans to existing business borrowing clients in Skopje, as many Roma families live in poor conditions. Some challenges
MicroFins - Housing
The document summarizes the work of an organization that provides microloans, housing, and training programs to vulnerable populations in Serbia. It discusses the organization's history, programs, clients served, and key results. Some of its main activities include providing microloans for business and housing, vocational training courses, and helping over 23,000 clients. Loan programs have disbursed over 29 million euros, created over 13,500 jobs, and assisted over 66,000 dependents. Repayment rates have remained around 83-85% with low delinquency. The organization has also helped over 180 housing clients purchase or repair homes through loans of 2,000-4,000 euros each.
Shared Funds for a Shared Vision
The document discusses a partnership program between Habitat for Humanity Macedonia and a microfinance institution to provide shared funding for housing microloans. The program aims to address poverty housing issues on a larger scale. Key aspects of the program include jointly contributing funds, sharing responsibilities for loan approval and repayment, and providing construction advice. The loans range from $2,400 to $5,000 and are repaid over 5 years at 11% interest. As of 2006, the program had disbursed over $447,000 in loans and completed 60 housing reconstructions.
Equal Bridge 2007
The document discusses unemployment and poverty issues among the Roma population in Hungary. 16% of Hungarians are Roma, who face high long-term unemployment, low education levels, and live in under-resourced regions with poor housing. The EQUAL initiative aims to promote new ways of combating discrimination in the labor market. The BRIDGE project will provide vocational training, jobs, housing renovations, and microcredit to unemployed Roma to improve living conditions and access to employment. Research was conducted on participants' education, employment status, housing, and other dimensions to develop targeted support groups.
Housing situation in Roma settlements in Slovakia
The document discusses the Roma population in Slovakia and a program called YOUR SPIS that aims to improve living conditions for impoverished Roma. Key details include:
- Around 320,000 Roma live in Slovakia, with about half integrated and half living in isolated settlements lacking infrastructure or access to services.
- The YOUR SPIS program supports community organizations, provides services, and has established kindergartens, community centers, and small businesses to help improve conditions for disadvantaged Roma families.
- To be effective, the program recognizes it needs a comprehensive, long-term, and client-centered approach that addresses the complex factors contributing to exclusion and poverty.
Social Inclusion Program for Disadvantaged Categories Focused on Roma
This document discusses the poor housing conditions of Roma populations in Romania compared to the general population. It finds that Roma households are more overcrowded, have less access to utilities like running water and electricity, and are more likely to live in substandard or insecure housing. Only a small percentage of Roma households meet standards for density and access to facilities that most Romanian households have. The document analyzes indexes of housing utilities and assets and finds that Roma populations, especially in rural areas, have much less access and higher rates of "housing poverty." It concludes there is an urgent need for social programs and assistance to improve Roma housing conditions.
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Digital Transformation Frameworks: Driving Digital Excellence
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This presentation is a curated compilation of PowerPoint diagrams and templates designed to illustrate 20 different digital transformation frameworks and models. These frameworks are based on recent industry trends and best practices, ensuring that the content remains relevant and up-to-date.
Key highlights include Microsoft's Digital Transformation Framework, which focuses on driving innovation and efficiency, and McKinsey's Ten Guiding Principles, which provide strategic insights for successful digital transformation. Additionally, Forrester's framework emphasizes enhancing customer experiences and modernizing IT infrastructure, while IDC's MaturityScape helps assess and develop organizational digital maturity. MIT's framework explores cutting-edge strategies for achieving digital success.
These materials are perfect for enhancing your business or classroom presentations, offering visual aids to supplement your insights. Please note that while comprehensive, these slides are intended as supplementary resources and may not be complete for standalone instructional purposes.
Frameworks/Models included:
Microsoft’s Digital Transformation Framework
McKinsey’s Ten Guiding Principles of Digital Transformation
Forrester’s Digital Transformation Framework
IDC’s Digital Transformation MaturityScape
MIT’s Digital Transformation Framework
Gartner’s Digital Transformation Framework
Accenture’s Digital Strategy & Enterprise Frameworks
Deloitte’s Digital Industrial Transformation Framework
Capgemini’s Digital Transformation Framework
PwC’s Digital Transformation Framework
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一比一原版(QMUE毕业证书)英国爱丁堡玛格丽特女王大学毕业证文凭如何办理
永久可查学历认证【微信：A575476】【(QMUE毕业证书)英国爱丁堡玛格丽特女王大学毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
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Maintaining a proper record of your money is important for any business whether it is small or large. It helps you stay one step ahead in the financial race and be aware of your earnings and any tax obligations.
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Accounting apps can help with that! They resemble your private money manager.
They organize all of your transactions automatically as soon as you link them to your corporate bank account. Additionally, they are compatible with your phone, allowing you to monitor your finances from anywhere. Cool, right?
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UN-HABITAT SIRP Three models of small housing loans
- 1. UN-HABITAT SIRP Three models of small housing loans ZLATA VUKSANOVIC-MACURA UN-HABITAT, Housing Coordinetor of the Settlement and Integration of Refugees Programme in Serbia (SIRP) Exploring Opportunities for Improving Housing Microfinance Services for Roma 12 -13 April 2007, Skopje, Macedonia
- 6. Parts of alternative housing solutions are the small loans and grants to vulnerable households Three different models have bee developed Three models of UN-HABITAT SIRP small housing loans No No $ 96 to 161 8% In kind $5,000 50% 4 months 50-10 years $10,000 Refugees, IDPs, local population Loans No No $ 28 to 49 6% In-kind $ 2,000 50% 4 months 50-10 years $ 4,000 Refugees Local population Loans Yes Yes - - In-kind 100% - - $ 2,000 Poor Roma families Grants Support Programmes Technical assistance to beneficiaries Repayment per months Inters rate Beneficiaries Contribution Subsidies Grace period Repayment period Maximal loan/grant size ($) Beneficiaries Model